4233 Amber Ridge Ln Valrico, FL 33594
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About this home
Welcome to 4233 Ember Ridge Lane, Valrico, FL 33594 – A Move-In Ready Gem in a Peaceful Community! Nestled in the heart of Valrico, this beautifully maintained 4-bedroom, 2-bathroom home offers the perfect blend of comfort, style, and convenience. With a spacious open floor plan and abundant natural light, this residence is ideal for families, first-time buyers, or anyone seeking a peaceful suburban lifestyle just minutes from Tampa. Step inside to find a welcoming living area that flows effortlessly into a modern kitchen featuring stainless steel appliances, ample cabinet space, and a breakfast bar—perfect for casual dining or entertaining. The master suite includes a walk-in closet and a private bath with dual sinks and a soaking tub. Three additional bedrooms provide plenty of space for family, guests, or a home office. Enjoy Florida living year-round in the fully fenced backyard—ideal for weekend BBQs, pets, or simply relaxing under the shade. The property also includes a two-car garage and a well-manicured front lawn that adds to its curb appeal. Located in a quiet, family-friendly neighborhood with no CDD fees and low HOA dues, this home is just minutes from shopping, dining, top-rated schools, and major commuter routes. It is the responsibility of the Buyer and Buyer's agent to verify the room sizes, room counts, HOA, community rules and restrictions, pet restrictions, deed restrictions, lot size, flood zone, etc. All room sizes are estimated. Please present all offers on FAR-BAR As-Is contract with pre-approval or proof of funds.
Source: STELLAR #TB8413524
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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.