13 Witch Hazel Ct, Homosassa, FL 34446
4 beds · 3 baths · 3,009 sqft
ASSUMABLE LOAN-VA-4.375% INTEREST RATE! Seller to include 6 Months of Free Pool Cleaning Service with Pool Company! Cul-de-Sac Pool Home has NEW AO SMITH Water Heater (February 2025), NEW roof (May 2024), a NEW AC unit (March 2024). Resort-style saltwater pool (Built in 2022) with deck jets , offering a private oasis right in your backyard. Enjoy relaxing poolside, entertaining guests, or cooling off on a hot Florida day. Home also has 4-stage reverse osmosis system with remineralization for purified drinking water, and ceramic window tinting installed for enhanced energy efficiency. VA Assumable Loan with 4.375% Interest Rate! The screen garage door adds even more versatility, allowing you to enjoy fresh air while working on projects or simply unwinding in a shaded space. Step inside and be greeted by an open and inviting floor plan filled with natural light and high ceilings that create an airy, welcoming ambiance. The formal dining room is perfect for hosting holidays, dinner parties, or intimate gatherings where memories are made with loved ones. The heart of the home—the kitchen—is truly a showstopper! Designed with both function and style in mind, this space features a large center island, a walk-in pantry, and a sunny breakfast nook ideal for enjoying your morning coffee. With high-end appliances, premium cabinetry, and ample counter space, cooking here will be an absolute joy. The oversized primary suite is your private retreat, offering tray ceilings, dual walk-in closets, and a en-suite bathroom complete with dual sinks, a relaxing garden tub, and a separate walk-in shower. The additional bedrooms are well-sized, providing plenty of space for family members or guests. Another feature of this home is the large laundry room, which includes a utility sink and extra storage space—because convenience matters! Located in the desirable Cypress Village at Sugarmill Woods, this home offers a peaceful setting while still being conveniently close to shopping, dining, outdoor recreation, and Florida’s world-famous natural springs. Whether you're drawn to the beautiful surroundings, the modern amenities, or the thoughtful updates throughout, this home is truly a must-see. Don’t miss the opportunity to make this incredible property yours—schedule your private showing today!
Source: STELLAR #TB8355647
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 #TB8355647
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.