12268 Legacy Bright St, Riverview, FL 33578
4 beds · 3 baths · 2,362 sqft
This stunning 4-bedroom, 2.5-bathroom residence, is perfectly situated in a friendly neighborhood in Riverview. This beautifully maintained home features a spacious open floor plan, ideal for both entertaining and everyday living. As you enter, you'll be greeted by a bright and airy living area filled with natural light. The modern kitchen boasts sleek appliances, generous cabinet space, and a convenient breakfast island, making it perfect for culinary enthusiasts. One of the standout features of this home is the huge upstairs loft area—a versatile space that can serve as a family room, playroom, home office, or media room. This additional living area offers endless possibilities and provides the perfect spot for relaxation or entertainment. The first-floor primary suite is a true retreat, offering privacy and convenience. This spacious bedroom features large windows that allow natural light to flow in and includes a private ensuite bathroom with dual sinks and a large walk-in closet. This layout is perfect for easy access and comfortable living. Three additional large bedrooms upstairs provide flexibility for family, guests, or a home office, ensuring everyone has their own space. Step outside to your private backyard oasis, where you'll enjoy no backyard neighbors and a serene pond view—perfect for tranquil mornings or peaceful evenings. This setting is ideal for summer barbecues or relaxing with loved ones in a serene atmosphere. Additional highlights include a two-car garage for all your storage needs and parking convenience. The community features access to beautiful parks and amenities, fostering a lifestyle of comfort and convenience. Located just minutes from shopping, dining, and major highways, this home offers easy access to everything Riverview has to offer. Schedule your private tour today!
Source: STELLAR #t3545367
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3545367
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: #t3545367
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.