10470 SW 132nd Ct, Dunnellon, FL 34432
3 beds · 2 baths · 1,260 sqft
Immaculate 3-bedroom, 2-bathroom, 2-car garage home, 1260 sf (under air), built in 2019. Home is located in the sought-after Rolling Ranch Estates and offers a stress-free transition with no HOA or CDD fees. The open-concept design features granite countertops in the kitchen and bathrooms, wooden cabinets with soft-close drawers, and a spacious kitchen island with bar seating. Enjoy ceiling fans in the living room and all bedrooms, luxury vinyl plank flooring throughout the home with carpeted bedrooms, a tiled shower in the principal bathroom, and a tiled wall surrounding the tub in the secondary bathroom, blinds on every window, and a full suite of appliances: stove/oven, dishwasher, microwave, side-by-side refrigerator, washer, and dryer. For remote workers or those desiring an office, the home also includes a perfect office space for two with plenty of light and plank ceramic floor tiles. High speed internet service is currently provided by Starlink. The home is located on a corner lot, with outdoor living enhanced by two paver patios, an 11' x 32' side patio with a propane firepit, and a 15' x 35' rear patio adorned with three 10' x 10' pergolas. Privacy is assured in the fenced backyard with a 6' PVC fence and a 12' side entry gate for parking a motorhome or trailer in the rear. The property uses a well and septic system, eliminating monthly water or sewer bills, and includes a water softening system. Do not miss out on this unique opportunity with immediate availability! Assumable VA loan for qualified veterans. Turnkey option available. Property is located approximately 20 minutes from the World Equestrian Center and 20-25 minutes from Rainbow Springs State Park.
Source: STELLAR #tb8301846
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8301846
Source: Public records
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: #tb8301846
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