13091 SW 77th Ct, Ocala, FL 34473
3 beds · 2 baths · 1,639 sqft
Born 12/15/2022 this home is better than NEW! Stunning! Shows like a MODEL HOME! A warm and inviting charming covered FRONT PORCH. Plantation Shutters throughout. Gorgeous vinyl plank flooring in living room, dining room and kitchen. Tiled baths and carpet in bedrooms. NEW Ceiling FANS in all room, NEW VINYL 6 foot fencing with 2 entrance gates, NEW Gutters and Gutter Guards. Utility Shed 8x16 out back for all your extra storage needs. 4 zone irrigation system on a well - to save money! This open floor plan is great for entertaining and with a kitchen that says HELLO LOOK AT ME! I'm BEAUTIFUL! Stainless steel appliances, quartz countertops, soft close drawers and cabinet doors, center island with large sink, and wait for it...a WALK IN PANTRY that has lighting and AC!! Dining Room and living room look out to the beautiful manicured yard that has a cozy, "come sit with me" back porch for sipping your wine in the evenings. The Master Bedroom is breathtaking with a tray ceiling and an on suite bathroom that screams "LUXURY" - Large step in shower, tall cabinets, double vanities, separate commode with a door, and HUGE walk in closet. and...Having guests? 3rd bedroom is on the opposite side of the house down the hallway with a wonderful guest bathroom right outside the door. 2nd bedroom has a walk in closet too! The indoor laundry is quite something with storage as well. Now the garage - NEW EPOXY FLOORING, extra fridge and freezer, heat pump water heater, 2 car with lots of storage space and the driveway, well you might be able to fit more than4 cars! This home is MOVE IN READY - forget buying new and then having to do more - this one is ALREADY DONE FOR YOU!!
Source: STELLAR #om690296
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #om690296
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: #om690296
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.