13192 Sun Rd, Brooksville, FL 34613
3 beds · 2 baths · 1,860 sqft
Under contract-accepting backup offers. Under contract accepting backup offers**This home was not affected from hurricane Milton or helene-NO FLOOD ZONE**MOTIVATED SELLER OFFERING $5,000 TOWARD CLOSING COSTS OR RATE BUY DOWN WITH ACCEPTED OFFER**Step into your dream home, meticulously remodeled with pride and built to last. This beautiful property features elegant travertine and wood floors throughout, complemented by stylish wood kitchen cabinets and granite countertops. Enjoy new appliances that make cooking a delight! NEW HVAC in 2023 and Septic pumped 2023. Need extra space? The bonus room is perfect as an office or playroom, providing versatility for your lifestyle. Relax on the covered porch, soaking up Florida’s beautiful afternoons while overlooking your private, spacious, fully fenced backyard (New Dura Fence installed 2024). Rest easy knowing the roof was replaced in 2019 and comes with an impressive 45-year warranty. The expansive master bedroom is not only a serene retreat but also doubles as a hurricane room, constructed with concrete and rebar for added safety. Set on 1.10 acres zoned Agricultural Residential (AR), this property welcomes your equipment, trucks, chickens, and even horses! With a backyard shed for all your tools, you’ll have everything you need at your fingertips. Experience the charm of country living while being conveniently close to city amenities. Plus, enjoy easy access to Tampa via the nearby Suncoast Highway. With no HOA or CDD fees, this home offers both freedom and tranquility. Don’t miss out—call now for your private showing! Possible to assume mortgage with a 4.5 interest rate!
Source: STELLAR #tb8309275
Source: STELLAR #tb8309275
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: #tb8309275
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.