10227 Count Fleet Dr, Ruskin, FL 33573
4 beds · 3 baths · 2,061 sqft
Come see this beautiful 4-bedroom, 3-bathroom, 2-car garage home nestled on a quiet cul-de-sac with no neighbors behind you! Inside, you’ll love the thoughtfully designed split floor plan: two bedrooms and a bathroom near the front of the home, a secluded bedroom and full bath near the garage, and a spacious primary suite tucked towards the back for ultimate privacy. The primary suite boasts an impressive 13-foot-deep walk-in closet, offering plenty of space for all your wardrobe needs. The en-suite bathroom is designed for both luxury and functionality, featuring a double-sink vanity, a relaxing garden soaking tub, and a separate shower. Plus, you’ll appreciate the ultimate convenience of direct access to the laundry room from your bathroom—just a few steps away, making laundry day effortless! The heart of the home features a spacious open-concept living and dining area, perfect for entertaining or cozy nights. The kitchen is complete with a large island, ideal for meal prep or casual dining, plus ample cabinet space and a pantry to keep everything organized and within reach. The kitchen seamlessly flows into the expansive living and dining area, creating a perfect balance of openness and warmth. Love outdoor living? You’ll love the newer screened and covered patio, a private above-ground Jacuzzi, and a fully fenced-in backyard. That’s right, the home comes with a hot tub! Beyond the home, enjoy the convenience of a centrally located community, placing you just minutes from shopping, dining, entertainment, and top-rated schools. Plus, with quick access to the interstate, you’re only a short drive from Tampa, the airport, beaches, and Florida’s best attractions. This is where beauty meets functionality in the most seamless way—book your private showing today!
Source: STELLAR #TB8335244
Source: STELLAR #TB8335244
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.