30180 Skylark Dr Wesley Chapel, FL 33545
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About this home
ASSUMABLE 3.125% FHA RATE!!! (Inquire with listing agent!) Welcome to this beautifully maintained new construction home in the gated community of Wesbridge! At only 4 years old, this home has 4 bedrooms and 2 full bathrooms and much more to offer. At the front of the home, the entryway greets you into it's open and spacious floorplan. The kitchen features more than enough storage space, with large cabinets and expansive quartz countertops. Stainless steel appliances and a custom backsplash complete the well designed kitchen, and the island offers a place to eat in while also maintaining open sight lines through the living area. You'll have the option of keeping a formal dining area, or expanding the living room into a larger space. On it's own, the living area has a view of the back porch and yard, and is the perfect place to relax. The primary bedroom has a large walk-in closet and a spacious en-suite. All three of the remaining bedrooms are of good size, and fit within a split floor plan that provides practicality and privacy. The enclosed back patio runs the entire width of the home, and the remaining yard space is large enough for relaxation, play or whatever you can imagine! The current owners have a temporary and removable fence through the backyard for their dogs, but this can be taken out with ease. The community of Wesbridge features a dog park, playground, community pool and more! Don't miss this beautiful, well equipped home!
Source: STELLAR #TB8404364
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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.