13 Crossandra Dr, Homosassa, FL 34446
4 beds · 3 baths · 3,040 sqft
Welcome to this spacious and well-maintained home located in the sought-after Sugarmill Woods community, tucked away on a peaceful cul-de-sac. In addition to the main residence, this property includes a separate parcel next door at 2 Crossandra Ct W, offering a total of .62 acres of space and endless potential for future growth or expansion. With 4 bedrooms, a bonus office/study room, and 2.5 bathrooms, this home is perfect for growing families or those who simply appreciate generous living spaces. The attached 3 car garage provides ample storage, while the private pool and enclosed outdoor exercise room with AC offer the ideal setting for relaxation and fitness. Inside, you'll be greeted by elegant crown molding throughout, highlighting the home's sophisticated design. The gourmet kitchen is a chef's dream, featuring wood cabinetry, granite countertops, stainless steel appliances, and a double oven with a flat cooktop. Two sinks make multitasking easy, perfect for preparing meals for family and friends. The upstairs bonus family room provides additional space for entertainment or relaxation. French doors lead you into the primary suite, featuring a tray ceiling and an impressive L-shaped walk-in closet, providing plenty of storage and organization options. The affordable HOA is just $155 annually for each lot. Sugarmill Woods offers a variety of optional social membership packages, granting you access to the golf course, community swimming pool, tennis courts, shuffleboard courts, and a fitness club - all enhancing your lifestyle in this peaceful, family-friendly neighborhood. This home has been well cared for and ready for its new owners! Don't miss out on this opportunity to own a home with so much to offer in a flourishing community!
Source: STELLAR #A4645591
Financials
Source: STELLAR #A4645591
Source: Public records
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%. 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.
Other resourcesWhat 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.
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