11966 Climbing Fern Ave, Riverview, FL 33579
5 beds · 4 baths · 3,568 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Luxury meets functionality in this stunning WestBay Verona model, nestled in the sought-after gated community of Waterleaf in Riverview. This spacious 5-bedroom, 4-bathroom home offers 3,518 sq. ft. of beautifully designed living space, perfect for families of all sizes. Step inside to find gorgeous wood-look tile flooring throughout the first floor, where a versatile flex room/dining area provides endless possibilities. A first-floor bedroom and full bath offer convenience for guests or multi-generational living. The expansive gourmet kitchen features an impressive 9x5 island, stainless steel appliances, and ample cabinetry. The open-concept design seamlessly flows into the spacious living area, creating the perfect space for entertaining. Upstairs, plush carpeting leads to four additional bedrooms, including a luxurious primary suite with an oversized, custom-organized walk-in closet. The spa-like en-suite bath boasts a soaking tub, walk-in shower, and dual sinks. A large open flex space provides additional room for a media area, playroom, or home office. Bedrooms three and four share a Jack-and-Jill bath, and all bedrooms include spacious walk-in closets. The upstairs laundry room adds extra convenience. Outside, enjoy Florida living at its finest on an expansive .23-acre lot, fully enclosed with vinyl fencing for privacy. Relax in the resort-style saltwater pool and spa or entertain on the beautifully paved patio. Additional highlights include a 3-car garage with epoxy flooring, a tile roof, a paver driveway, and a whole-home water softener. Waterleaf offers an array of amenities, including a community pool, playgrounds, and scenic walking trails. With its prime location, modern upgrades, and unbeatable layout, this home is a rare find. Don’t miss your chance to own a piece of paradise!
Source: STELLAR #TB8365618
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 #TB8365618
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 of Equal Opportunity Act.