11521 Sunder Berry St, Hudson, FL 34667
3 beds · 2 baths · 1,477 sqft
THIS HOME QUALIFIES FOR USDA NO DOWN PAYMENT PROGRAM. Less than 2 years old, this 3 bedroom, 2 bath home boasts an open floor plan & perfect blend of comfortable living. As you step through the front door, a welcoming foyer greets you, flanked by a spacious dining room on one side and a convenient coat closet on the other. The carpeted master bedroom is on the left & includes the master bath, which is equipped with double vanity sinks, a granite countertop, a garden tub/shower combo & an ample walk-in closet. The heart of the home is the beautifully appointed kitchen featuring 36" upper custom wood cabinets, with cabinet crown molding and granite countertops, a glass-top range, refrigerator, dishwasher, disposal, microwave, and a OneTouch gooseneck faucet. This chef's dream space flows seamlessly into the generous living room, perfect for entertaining or simply unwinding. Step out onto the lanai from the living room and savor the tranquil outdoor setting. On the opposite side of the home, you'll find two cozy guest bedrooms, both carpeted for comfort, sharing a full bathroom with a granite vanity and tub/shower combination. The home is designed for modern convenience with 10-foot ceilings, 5 ¼” baseboards, 5-panel doors, and durable ceramic tile throughout the living and wet areas. Additional highlights include a laundry room just off the kitchen, leading to a spacious 2-car garage, a Carrier 15 SEER air conditioning system, and a built-in pest control system. Low quarterly HOA fees include basic cable. Centrally located between US 19 and the Sun Coast Expressway, this home is perfectly positioned to enjoy the conveniences and growth of the surrounding area.
Source: STELLAR #t3550255
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3550255
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: #t3550255
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