10017 Smarty Jones Dr, Ruskin, FL 33573
6 beds · 4 baths · 4,448 sqft
One or more photo(s) has been virtually staged. ATTENTION: SELLER OFFERING UP TO $10,000 ASSISTANCE FOR BUYERS CLOSING COST AND PAINT CREDIT. Welcome to your dream oasis in the heart of FLORIDA! Nestled in the serene community of Belmont, this MAGNIFICENT 6-bedroom, 3.5-bathroom haven BOASTS LUXURY at every turn, spanning over 4448 sq ft of meticulously crafted living space. LOW HOA and NO CDD. Prepare to be ENCHANTED from the moment you step through the door! Your culinary adventures await in the HUGE kitchen space, equipped with high-end appliances. Imagine Watching TV, ordering Groceries, Uber eats, and sending your grocery list to your phone from all from your New Smart SAMSUNG Refrigerator, a Smart Double Wall Oven which is CAFE’ BRAND with Air fry and meat probes built in...... in addition a FISHER AND PAYKEL double drawer dishwashers. Imagine the joy of cooking amidst the finest amenities! Retreat to the comfort of your SPACIOUS MASTER suite featuring TREY CEILING, a large soaking tub, and picturesque views of the tranquil lake. Unwind in style and luxury after a long day, knowing you're in the lap of ABSOLUTE LUXURY. Embrace the BREATHTAKING views of nature right from your back lanai, where the BEAUTY of Florida's wildlife comes to greet you. Savor family moments in the EXPANSIVE loft or simply relax in the embrace of nature's splendor. But the wonders don't stop there! Belmont offers a plethora of amenities including 2 COMMUNITY POOLS, tennis courts, BASKETBALL COURTS, playground, DOG PARKS, recreation center, sports fields, and more! Every day is an adventure waiting to happen! CONVENIENCE is key, with everything you need just a stone's throw away. With PUBLIX, various dining options, and ESSENTIAL AMENITIES within a mile, and WATERFRONT RESTAURANTS and a marina just a short drive away, you'll find yourself perfectly situated for a life of ease and enjoyment. Your perfect FLORIDA LIFESTYLE awaits – don't miss the opportunity to make this stunning property your FOREVER HOME. Schedule your tour today and step into the life you've always dreamed of!
Source: STELLAR #t3523389
Source: STELLAR #t3523389
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
MLS ID: #t3523389