13654 OLD CREEK CT, Parrish, FL 34219
One or more photo(s) has been virtually staged. ASSUMABLE MORTGAGE! This popular "Endless Summer" floor plan is over 2,100 square feet and rests on a tranquil conservation lot so you can enjoy the natural foliage and privacy of your backyard oasis. Inside, you'll find 3 ample sized bedrooms, 2 bathrooms, and a spacious flex room right off of the open concept living area. In the flex room, wood-grain tile flooring provides you with the perfect foundation to set up your private office, yoga studio, library, art gallery or whatever else makes your heart happy. New Kichler lights illuminate the home with an elegant touch while the tile floors and new ceiling fans keep you cool all summer long. The light & bright kitchen features a handy island with breakfast bar, dining nook, coastal-white cabinetry, built-in oven & convection microwave. The new Natural Gas stovetop is ideal for culinary creations and clever sliding shelves in the cabinets have been installed for your convenience. The French door refrigerator with deli drawer, large freezer drawer and icemaker is a great companion for your perishables and granite countertops complete the elegant vibe of this ready-to-entertain space. Freshly painted walls set the stage for a light, coastal ambiance, complemented by the charming plantation shutters and custom black-out blinds for the windows. With 10 ft ceilings and guest rooms big enough to stretch out in, comfort and space is the name of the game here. The vast primary bedroom is enhanced with a well-equipped ensuite which you will find has dual vanities, an enormous walk-in shower and plenty of storage. Two large walk-in closets are also in this suite and are well suited to hold all of your clothes, shoes, handbags & more! Venture outside to discover the screened-in heated saltwater pool, guarded by a screen fine enough to keep even the tiniest bugs from crashing your pool party. A splash sensor alert adds an extra layer of protection and safety. Soak up the Florida sun while dipping your toes in the pool and resting on the sun-shelf area or enjoy the shady covered deck area—because getting a sunburn isn't chic. Security cameras stand guard, ensuring your peace of mind. Community perks include clubhouse, pool, dog park, pickleball courts, fitness center, park, community center, picnic shelter and grills, recreation center & fire pit. Conveniently located near Fort Hamer Bridge, Ellenton Outlet Mall, Rye Preserve, Lakewood Ranch, shopping, dining, golfing, and it's only a short drive to the Manatee River, the beautiful beaches of Anna Maria Island, Tampa, St. Petersburg and Sarasota. This community has a low HOA and NO CDD (YAY!!!).
You may be able to put down less than the total down payment amount of $307,836 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #a4613319