4139 Perch Cir Port Charlotte, FL 33948
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About this home
$118K Assumable VA Loan Possible at 2.5% with Bank Approval! Beautifully Renovated 3-Bedroom, 2-Bathroom Home in the Premium Saltwater Homes Community! Experience spacious indoor and outdoor living in this stunning split-floorplan residence, perfectly situated in the highly desirable Saltwater Homes neighborhood. This home offers privacy and abundant room to grow, including potential for a pool. Step inside to luxury vinyl flooring throughout, enhanced by modern designer lighting, elegant crown molding, and high baseboards that add sophistication to every room. The chef-worthy kitchen features quartz countertops, a deep farmhouse sink, a breakfast bar, raised panel cabinetry, a stylish glass tile backsplash, and a full-sized pantry providing ample storage space. Adjacent is a separate dining room ideal for intimate meals or gatherings. The bright and airy living room is filled with natural light, creating a warm, welcoming atmosphere. The master bedroom serves as a tranquil retreat with a spa-like ensuite bathroom, boasting a fully tiled shower with glass door and a designer raised glass bowl sink. Both guest bedrooms offer generous closet space, new ceiling fans, and share the beautifully updated middle bathroom. French doors with easy-care inside shades open to a large patio—perfect for enjoying morning coffees or evening breezes. The expansive outdoor area features mature fruit trees including loquats, mangos, and longans (similar to lychees), embodying the true Florida lifestyle. Recent upgrades for your peace of mind include a new AC system, new roof, leaf filter system, new septic system, and hurricane doors. This home is not part of an HOA, offering you the freedom and flexibility you desire. An assumable VA loan balance may be available for qualified buyers. Located in Southwest Florida, enjoy year-round access to boating, fishing, golfing, beautiful Gulf beaches, natural parks, dining, public tennis courts, and shopping. The area is enriched with cultural events and multiple nearby baseball parks. Conveniently situated just minutes from the Tampa Bay Rays Training Stadium, shopping malls, parks, and only 35 minutes from several Gulf beaches. Punta Gorda Regional Airport, served by Allegiant Air, is only 12 miles away. The vibrant Fisherman's Village and the Historic District—offering diverse dining and shopping experiences—are just about 9 miles away. Don’t miss this rare opportunity to own a beautifully renovated, spacious home with an adjacent lot available for purchase in this much sought-after neighborhood. Schedule your private tour today!
Source: STELLAR #C7512961
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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.