9115 Panda Ln Port Richey, FL 34668
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About this home
Seller is willing to pay $5,000 toward a buydown rate-subject to loan approval, loan amount and current interest rate. A must-see property! This beautifully, trendy renovated 3-bedroom, 2-bathroom home is a dream come true. Featuring a stunning wrought iron entrance gate, glass storm door, solid wood front door, a luxurious gourmet kitchen, a sparkling blue water pool, heated spa (up to 105 degrees), plantation blinds, elegant sun-out curtains, new plank floors, updated fixtures, and a charming pergola with a retractable roof, on the front porch. This turnkey home is perfect for your family. With LOW taxes, NO flood zone, NO HOA, and NO CDD fees. This property offers exceptional value!! Recent upgrades include a new HVAC system and ductwork (2022 / 2.5 ton / $10,000), hot water heater (2023), newer roof (2022), pool (3.5 feet to 6.5 feet), and you will appreciate the enhanced front door entrance area having a newly constructed coat closet. Outside, you'll find a 3-car driveway with a large mailbox and the potential for an additional driveway in the back behind the pool area. This corner lot offers ample space for parking a commercial vehicle, water toy, or keep the present boat with an approved purchase price (see Realtor Remarks). The home is tastefully decorated with new hardware and elegant touches throughout. The bright living room features plantation blinds, a picture window, with sliders off the dining room and flex room to the pool area. The gourmet kitchen is well-designed with subway tile, a large full wall pantry, an additional half wall counter with trendy cabinets and small box drawers for cooking, prepping or use for a coffee/wine bar. You will NOT want to be without the separate convenient electric Avalon water cooler stand with 3 options: hot, cold, or room temperature. The primary bedroom boasts new hardware, luxury plank floors, and a walk-in closet. Outside, the pool, spa, and birdcage create a perfect setting for family gatherings. Nearby amenities include sidewalks throughout the community, Lake Lisa Park, shopping, dining, parks, hospitals, and more. Easy access to major highways and airports. This location offers the perfect blend of comfort and convenience. Don't miss out on this incredible opportunity in central Florida! Enjoy shopping, restaurants, Gulf of Mexico, Suncoast Parkway, nearby MacDill AFB, hospitals, new VA Outpatient hospital, forthcoming H. Lee Moffitt Cancer Center and Research Institute will have a world-class expansion campus in Pasco County within a few years, beaches, and MORE at your fingertips! Tampa and St Pete Clearwater Airports are 30+ minutes away! Play anywhere in central Florida! Our playground awaits you !!
Source: STELLAR #TB8392746
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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.