11142 Irish Moss Ave, Riverview, FL 33569
4 beds · 2 baths · 1,835 sqft
The Gated Community of Moss Landing in Riverview has NO CDD fees! This stunning 4 bedroom 2 bathroom 2 car garage home is loaded with so many upgrades! Brand new roof to be completed 02/2025. Brand New HVAC 2024, Brand New water heater 2024. Additional amenities include an irrigation system, a water softener, a water filtration system, and a state-of-the-art security system that is pre-wired, complete with security cameras and a video monitor. As you enter the home through the beautiful screened porch, you will be amazed at the high ceilings, open concept of the home and high end laminate flooring Throughout . The kitchen boasts 42- inch cabinets, granite countertops, stunning stainless steel appliances, and a spacious pantry with easy-to-clean ceramic tile flooring. The kitchen is equipped with a Reverse Osmosis water filtration system, which will remain with the property, along with the water softener. This home also has custom made window treatments that are mahogany wood blinds. The family room is open and spacious and is a great place to come togetner with family and friends. The front bedroom is a great flex space currently being used as a home office but could also be used as a bedroom. The primary bathroom has been beautifully remodeled with an extended walk in shower and upgraded granite counter tops with dual sinks and a deep soaker tub. The other bedrooms are ample size and share a remodeled bathroom which is easily accessible to the main living area, and a screened in Lanai with access to the backyard. The backyard is fenced in with an iron fence and a large shed to match the house. It offers so much extra storage space and is electrically wired or it can be a great workshop. Schedule a visit to this remarkable home.
Source: STELLAR #tb8337108
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Why Roam
Lower rates and lower down payments
The only homebuying option for you to put 5% down and get a 5% rate.
Closing guarantee
We can close in 45 days or we’ll pay the seller’s mortgage until we close.
Offer acceptance
95% of offers accepted when made with Roam. 5% accepted without.
Rates and payments are estimates based on public records.
Source: Public records
Source: STELLAR #tb8337108
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.