12001 Darwin Ave, New Port Richey, FL 34654
3 beds · 2 baths · 1,250 sqft
PRICE REDUCTION!!!! This stunning 3-bedroom, 2-bathroom, 1-car garage residence is the epitome of modern comfort and elegance. Located in a serene neighborhood close to everything you desire, including the radiant Suncoast, top-rated schools, delectable dining spots, and premier shopping destinations, this home offers the perfect blend of convenience and tranquility. As you step onto the meticulously maintained front yard, you'll immediately appreciate the beauty and charm of this fully fenced property. A convenient front yard sprinkler system ensures your lawn stays lush and vibrant all year round, while the screened-in porch provides a serene space to relax and unwind. With no rear neighbors, enjoy unparalleled privacy and serenity in your own oasis. The addition of a trash shed ensures your outdoor space remains tidy and organized, further enhancing the allure of this immaculate property. Step inside to discover a world of refined luxury and contemporary design. Adorned with luxurious Luxury Vinyl Plank flooring, brand new carpets in all bedrooms, and a freshly painted interior, every corner of this home exudes sophistication and style. The heart of the home, the kitchen, is a chef's delight, featuring subway tile flooring, gleaming granite countertops with a stylish backsplash, and newer top-of-the-line stainless steel appliances. Whether you're hosting a dinner party or preparing a gourmet meal for your loved ones, this kitchen is sure to impress. Convenience meets functionality with the garage equipped with a washer and dryer, making laundry a breeze. Retreat to the master bathroom, where a modern walk-in shower with teak seating awaits, offering a luxurious escape after a long day. Experience the peace and tranquility of this charming neighborhood, with easy access to excellent schools, enticing restaurants, and bustling shopping centers, all just moments away.
Source: STELLAR #u8242208
Source: STELLAR #u8242208
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: #u8242208
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.