1920 Whitney Way Clearwater, FL 33760
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About this home
Welcome to Whitney Lakes, where style meets serenity. This stunning 2-bedroom, 2.5-bath townhouse with a versatile bonus room has been thoughtfully upgraded to offer modern elegance and comfort. The heart of the home is the fully remodeled kitchen, designed with today’s chef in mind. Fresh flooring throughout, new carpet on the stairs, and beautifully renovated bathrooms—both the primary and downstairs—add a refined touch. A brand-new roof (2023), exterior double-coated paint (2023), screened-in balcony, and new electric meter (2024) provide peace of mind and lasting value. Perched at the highest elevation in the community and located in an X FLOOD ZONE!! this building offers additional security and confidence for homeowners. Step outside to enjoy tranquil pond views, a private dog park, and the sparkling community pool—all just steps from your door. Low HOA fees include water, sewage, trash, cable, internet, and grounds maintenance, giving you a low-maintenance lifestyle with high-quality amenities. Perfectly situated, this home is minutes from St. Pete–Clearwater Airport, Tampa International Airport, Downtown Dunedin, Safety Harbor, Clearwater Beach, and the energy of Downtown Clearwater. Whether you’re seeking a full-time residence or a lock-and-leave retreat, this home delivers the best of Florida living.
Source: STELLAR #L4955866
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Close stress-free in 45 days, handled start to finish by Roam.
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FAQs
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.