3516 W Santiago St Tampa, FL 33629
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About this home
Your Dream Home Awaits in South Tampa! Picture yourself in this charming and warm home in the desirable neighborhood of Palma Ceia, steps away from Plant High School, top-tier restaurants, and everything that vibrant Tampa has to offer. This gem combines timeless character with thoughtful modern upgrades, creating the perfect haven for you and your loved ones. Welcome guests with style on the Mexican clay Saltillo tile flooring, complemented by an awning over the entry—an idyllic spot to enjoy your morning coffee. In the living room, it basks in natural light through the floor-to-ceiling windows, with the original wood-burning fireplace and elegant wood mantel serving as a stunning focal point. Timeless Oak hardwood floors grace the living, dining, and guest bedrooms, effortlessly blending charm and sophistication. Retro Vibes in the guest bathroom with the original wall tiles and a playful basket weave floor tile create a nostalgic yet trendy ambiance. The two bedrooms downstairs; the front bedroom boasts double closets, while the second bedroom, with its unique built-in bookshelf, can double as the ideal home office. In the heart of the home is where you find your dream kitchen, calling all culinary enthusiasts! This kitchen offers wood cabinets and quartz countertops, sleek subway tile backsplash, an Apron-front farmhouse sink, and coordinating appliances for a polished, cohesive look. The Master Suite, the newer addition to the home, brings luxurious modernity to this charming home. Your master suite includes a large bay window to flood the room with natural light, a supersized His-and-Hers walk-in closet, a spacious, spa-inspired bathroom with a free-standing tub for ultimate relaxation, a large open walk-in shower, and a double vanity with marble countertops, separate mirrors, and elegant lighting fixtures. There is more to love. Oversized 2-car garage with abundant storage, inside laundry room conveniently located for everyday ease. The property is located on a corner lot, fenced yard in a highly sought-after neighborhood. Enjoy immediate access to fantastic dining options, highways for an easy commute, and all the excitement South Tampa has to offer. Don't miss out on this rare find! From its retro details to modern comforts, this home is a masterpiece that will capture your heart at first glance. Schedule your tour today and make this South Tampa treasure yours! ?? Your Forever Home is Waiting.
Source: STELLAR #TB8397928
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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.