Price Reduced * 4 Bed first level w/ Large Bonus Rm upstairs 3 Bath 3 Car Garage Gated West Hampton in Highly Desirable area near Westchase -NO CDD fees Welcome to your dream home in sought-after West Hampton. This spacious 4-bedroom, 3-bathroom + large bonus room home boasts 3,086 sq. ft. of heated living area and a spacious 3-car garage, offering both elegance and functionality. With its thoughtfully designed 3-way split floor plan, this home offers ultimate privacy and room for everyone. Upon entering the welcoming foyer, you'll be captivated by the open natural lighting, volume ceilings, the rich wood look plank flooring, seamlessly blending with the home’s tasteful finishes. The expansive kitchen opens to the family room & features stainless steel appliances, wood cabinets, breakfast-bar, pantry closet, a built-in desk, and plenty of space for family meals or entertaining. The heart of the home flows effortlessly into the open living and dining areas, making it perfect for gatherings of all sizes. Escape to the alluring primary bedroom & ensuite featuring dual walk-in closets & vanities, separate water closet, large shower and a relaxing soaking tub. Upstairs, you’ll find a huge bonus room — an ideal space for a media room, playroom, or home office. The possibilities are endless! The private fenced yard offers a tranquil retreat, with a covered lanai and lush tropical landscaping surrounding the space. Whether you're enjoying the Florida sunshine, hosting a barbecue, love to garden, have kids (to include fur babies), this backyard is perfect for outdoor and low maintenance living. Recent upgrades including a 2023 Roof, 2024 AC system & Paint ensure peace of mind for years to come. Additional features include a decorative glass front door, gas tankless water heater, crown molding, volume ceilings, recessed lights, ceiling fans, inside laundry room with utility sink, built-in desk. In addition to the home's impeccable features, this West Hampton community offers a range of amenities perfect for families and outdoor enthusiasts. Take a stroll along the sidewalks, explore the scenic walking trails, or relax by the tree-lined tranquil pond with a fountain and park bench. Kids will love the nearby playground, and nature lovers will appreciate the wildlife sightings — deer, turkeys, hawks, and even eagles are frequent visitors to this beautiful setting. Convenience is key with Top-Rated schools, Shopping, World Renowned Beaches, Tampa Bay Downs, Local Breweries, Theme Parks, Elev8, Culinary Diverse Cuisines & Breweries for the Foodies, Ice Hockey & Skating rink, TIA, Fishing, Skiing, Boating, Kayaking/Canoeing nearby and the 36-hole Eagles Golf & Country Club, where you can enjoy a round of golf and more wildlife encounters. This home offers an unparalleled combination of comfort, luxury, location, and peace of mind. A smart choice with NO CDD fees & NOT in a flood or evac zone. Don't miss out on this opportunity to make this West Hampton beauty yours & schedule your tour today!
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.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
