6190 106th Ave N
Pinellas Park, FL 33782
2 beds · 1 baths · 868 sqft
$200,000
Get prequalified6190 106th Ave N
Pinellas Park, FL 33782
2 beds · 1 baths · 868 sqft
$200,000
Get prequalifiedOne or more photo(s) has been virtually staged. This charming 2-bedroom, 1-bathroom manufactured home sits on a spacious, oversized corner lot and offers the perfect blend of comfort, convenience, and affordability—with no HOA to worry about! Built in 2001, the home has been lovingly maintained and includes several key upgrades, including a new roof, recently replaced water heater, dishwasher, and washer, plus a 6-year-old AC system for peace of mind. The functional layout features a sunny Florida room with upgraded storm windows and its own AC, a dedicated indoor laundry room, and an open-concept kitchen, dining, and living area. The living room is cozy but flows seamlessly into the kitchen, making the most of the square footage. The kitchen boasts plenty of cabinet and counter space, perfect for everyday cooking. Step outside and enjoy the fully fenced yard with irrigation system, ideal for pets, gardening, or weekend projects. The property also includes a powered shed, perfect for storage or hobbies. The corner lot offers great curb appeal, extra parking space, and added privacy. With no HOA or lot rent, this is a rare opportunity for affordable homeownership in a central Pinellas County location. Whether you're a first-time buyer, downsizing, or looking for a low-maintenance winter retreat—this home is full of potential!
Source: STELLAR #TB8395085
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.