11135 Spring Point Cir, Riverview, FL 33579
4 beds · 2 baths · 2,022 sqft sqft
***SIGNIFICANT PRICE IMPROVEMENT***Welcome to luxury living in this GORGEOUS SALTWATER POOL HOME located in the HIGHLY sought after Lucaya Lake Club! This meticulously maintained 4 bedroom, 2 bath home boasts loads of upgrades including professionally cleaned/sealed tile laid on a diagonal in the main living space/bathrooms and wide plank laminate in 3 of the bedrooms, fresh interior paint (2024), beautiful light fixtures and more! The main living area features a gourmet kitchen with granite countertops, solid wood cabinets, spacious walk-in pantry, stainless steel appliances, gas stove and a huge island prep station. Outside the large family room you'll find a beautiful saltwater pool with huge attached screened-in patio that is perfect for entertaining, cookouts or watching your favorite sports! The master bedroom features an ensuite bath with dual vanities along with a large walk-in closet. Three additional bedrooms, a second bathroom and a laundry room make up the rest of the living area. In the garage you will find plenty of overhead storage. Lucaya Lake Club is located in the heart of Riverview with access to luxury amenities. The resort style zero-entry pool sits next to the clubhouse with a huge area for entertaining around a fireplace, splash pad, fitness center, community center, outside veranda and more. The most beautiful feature of this community is its 78-acre lake; accessible to all residents for canoeing, kayaking or paddle boarding. You can enjoy the view from the fitness center open 24/7! This community is minutes from the interstate, shopping and top-rated schools, one being a newly expanded K-8. This home is ready for it's new family! DON'T WAIT, call and schedule your private showing TODAY!
Source: STELLAR #tb8301652
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8301652
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: #tb8301652
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.