10744 Osceola Dr, New Port Richey, FL 34654
3 beds · 3 baths · 1,692 sqft
Get a free consultation call with an expert in the mortgage assumption process.
NEW TO MARKET!!! NEW TO MARKET!!! NEW TO MARKET!!! Seller may consider a rate buy down for the new buyer. Laid-back living at its finest in HOA-FREE Golden Acres!!! Tucked away on just under 2 peaceful acres in the heart of New Port Richey, this 3-bedroom, 2-bathroom home offers that perfect blend of comfort, space, and good ol’ Florida charm. Start your mornings slow on the inviting front porch, sipping coffee. Step inside to a warm, welcoming layout with plenty of natural light, a cozy living area, and a kitchen that’s made for Sunday breakfasts or a pot of chili on the stove. The split-bedroom floor plan gives everyone their own space, with a private primary suite that’s just right for unwinding after a long day. There is a huge inside laundry/mud room. Additional features are: NO WATER BILL, as there is a well, Flood Zone X, home is on septic, chicken coup, in ground bbq, fire pit, AC is newer, brand new water heater, new cabinets & new high end appliances But the real fun is out back—a spacious, caged-in pool is perfect for lazy weekends, splash time with the kids, or just floating under the sky. And for those personal projects or hobbies, you’ll love the separate he-shed and she-shed, giving everyone their own little getaway space. The backyard features a huge screened-in pool area that features a wood burning, brick pizza oven/rotisserie, pool table and plenty of room to lounge around. There is an outside bath for convenience. Want more? How about the HUGE, Tubular Steel, 150 mph wind rated structure (over $75K in value) that could be made into an inlaw quarters, storage for your cars, boats, game/movie room... Truly whatever you want. It's brand new and done to code. Still want more? There is also a "she-shed" as well! 2 separate structures for whatever your heart desires. With plenty of open land, you’ve got room to roam, garden, raise a few chickens, have horses, pigs, chickens, and goats right in the privacy of your own backyard. Enjoy the fruits of your avocado tree, pear, kumquat and fig trees. Peaceful and private, but still close to town, this home is country living without the long drive. If you’re looking for space to breathe and a place to kick off your boots, this Golden Heights gem is ready to welcome you home.
Source: STELLAR #TB8371886
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8371886
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.
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.
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.
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 620, 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 and Equal Opportunity Act.