945 Winding Oaks Dr Palm Harbor, FL 34683
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About this home
Come and discover this beautiful Spanish Oaks home in the heart of Palm Harbor! From the moment you hear the key turn in the door, you’ll know you’re unlocking “home”. Situated on nice lot with a spacious backyard, the charming curb appeal foretells the feeling that great future memories will be made here. Upon entering, you will love the highly desirable open floor plan with vaulted ceilings and sliding doors that lead out to a large patio. The kitchen flows into the family room over a large center island and is complete with solar tube lighting and seating for everyone. Boasting of updated kitchen cabinetry and granite countertops, this center island will become the center of your family life for nightly homework projects, late night dinners and Saturday morning pancakes. Bright color palettes flow through the entire home and the owners suite is generously sized with large closets, a ceiling fan and an ensuite bathroom. FOUR TRUE BEDROOMS make this home versatile for all of your work-from-home needs. Stepping into the backyard, it’s fully fenced for your furry friends and little ones alike. Plus, the patio area is ideal for your summer BBQ’s and offers the perfect spot for your future fire pit! Unexpected Extras Include: New Roof 2017, Tankless Hot Water Heater, HVAC 2011, Newer Windows, Interior Laundry Room, and No Flood Insurance Required!!! Ideally located near the social ambiance area of downtown areas Dunedin, this home is also near the Dunedin Causeway and Honeymoon Island. You’re just minutes from America’s best sugary sand beaches and A+Rated Schools. Schedule your appointment today!
Source: STELLAR #TB8401318
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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.