1997 Searay Shore Dr Clearwater, FL 33763
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About this home
HOA INCLUDES: INTERNET AND CABLE SERVICE (INCLUDING ALL STREAMING PLATFORMS SUCH AS NETFLIX, HBO, DISNEY+, HULU, AND MANY MORE) PROVIDED THROUGH SPECTRUM. Welcome to this beautifully updated end-unit townhome offering 3 bedrooms, 1.5 bathrooms, and an abundance of natural light. Thoughtfully designed with comfort and style in mind, this move-in ready home features a NEWER ROOF (2021), a 4-year-old A/C, and numerous modern upgrades. The kitchen boasts new GRANITE countertops, backsplash, and a new washer and dryer, while the remodeled bathroom shines with matching GRANITE finishes. Downstairs you’ll find travertine stone flooring, with NEWER VINYL PLANK upstairs for a warm yet low maintenance touch. Other updates include remote-controlled lighting and fans in every room, new chandeliers, and smart-home features such as lights, cameras, and locks. Enjoy the convenience of TWO ASSIGNED PARKING SPOTS. The HOA provides excellent amenities including a pool, playground, ample guest parking, and HOA COVERS: INTERNET, CABLE, GARBAGE, EXTERIOR, AND GROUNDS MAINTENANCE MAKING FOR A WORRY FREE LIFESTYLE. This townhome is located in a NON - FLOOD ZONE (X), offering peace of mind. The community sits adjacent to the Duke Energy Trail, perfect for biking, walking, or running, and is conveniently located to Sprouts, Publix, Aldi, plus minutes from schools, shopping, restaurants, medical facilities, airports, Clearwater Beach, Downtown Dunedin, and Downtown Safety Harbor. With the possibility of adding an additional bathroom, this home is full of potential and ready to welcome its next owner. Don’t miss your chance and schedule a private showing today and fall in love with everything this vibrant community has !
Source: STELLAR #TB8424745
Loan details
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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.