13145 Paloma Rd, Clermont, FL 34711
4 beds · 3 baths · 2,853 sqft
Welcome to this exceptional 4-bedroom, 3-bathroom *POOL* home located in desirable Clermont, FL. Situated on a sprawling nearly 1.5-acre lot with no HOA, this property offers ultimate privacy and the freedom to truly make it your own. Step inside & you'll be greeted by soaring double-high ceilings and an expansive living room with floor-to-ceiling windows and French doors that allow natural light to pour in, creating a bright and airy atmosphere. The wood-burning fireplace serves as a beautiful focal point, while the dark bamboo flooring adds warmth and style to the space. Located just off of the living room, the kitchen is a true highlight & a chef’s dream featuring stone countertops, ample cabinetry with crown molding, a long center island, and a gas range—ideal for preparing delicious meals. The open design includes a breakfast nook for casual dining, and a functional pot rack adds both style and convenience. The split floorplan offers privacy for the homeowners, with the primary suite located on a separate second level. Large picture windows in the bedroom flood the space with natural light and provide picturesque views of the property. The attached en-suite bathroom boasts a spacious shower, dual sinks, and beautiful modern stone finishes. Three additional bedrooms on the main floor are generously sized and share two updated bathrooms. The flex space off of the kitchen provides endless possibilities – use it as a formal dining room, office, or exercise space. Step outside the double French doors in the living room and discover your own private paradise with a HUGE wood deck offering elevated views of the property and leads down to an oversized in-ground pool. The pool deck is perfect for sunbathing or hosting friends and family. With plenty of space on the property, enjoy privacy and tranquility without the constraints of an HOA. This home also includes a shed with a double carport and 2 storage closets for extra storage and parking. Located off of a main road with easy access to highways, for convenience to local schools, shopping, and dining. More upgrades include NEW roof, gutters, and upstairs A/C units installed in 2023! Don’t miss out on this rare opportunity to own a truly unique and spacious home that offers both comfort and freedom. Schedule a showing today and make this dream home yours!
Source: STELLAR #O6277207
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 #O6277207
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.