12166 HIGH ROCK WAY, Parrish, FL 34219
***SELLER'S OFFERING UP TO $18K TOWARD BUYER'S CLOSING COSTS!*** This is an AMAZING opportunity to own this GORGEOUS Home in the lovely community of BELLA LAGO. You will absolutely love being a part of this NEWER AND GROWING community. The Bella Lago Community offers a TON of amenities that includes a MASSIVE POOL for fun in the sun, a BEAUTIFUL amenity center, fitness center for your daily exercise and a play ground. 12166 High Rock Way is a STUNNING 4 Bedroom, 3 Bathroom, 2 Car Garage home with PLENTY of ROOM for the ENTIRE family! You will ABSOLUTELY ADORE the life that YOU ARE LIVING in YOUR NEW home in Bella Lago! You will have the LUXURY of a NEWER home without the wait! Walk in to the OPEN FLOORPLAN that overlooks the pond. The kitchen has a GIANT PANTRY, Stainless Steel appliances and a GREAT ISLAND for breakfast time or a quick lunch. The dining room space also looks out to the pond through the sliding glass doors to the backyard. The Primary Suite has PLENTY of space, an incredibly SPACIOUS Primary Bathroom and a HUGE walk in closet! The second bedroom has CUSTOM BUILT IN SHELVING UNITS for the avid reader, crafter or collector! There is also a GREAT loft area for the kid's toys or game systems tucked away for the unexpected visitor. The Florida FRIENDLY LANDSCAPING is BRAND NEW! The GARAGE has been done PERFECTLY for GAME TIME! This NEWLY (2021) built SMART HOME has a Wi-Fi thermostat, Energy Efficient HVAC, Water Heater & SO MUCH MORE! Call TODAY for your PRIVATE showing!
You may be able to put down less than the total down payment amount of $125,444 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #u8241531