13654 Old Creek Ct, Parrish, FL 34219
3 beds · 2 baths · 2,164 sqft
Under contract-accepting backup offers. One or more photo(s) has been virtually staged. ASSUMABLE MORTGAGE & FREE POOL WITH PURCHASE! This popular "Endless Summer" floor plan rests on a conservation lot offering over 2,100 square feet, 3 ample sized bedrooms, 2 bathrooms, and a spacious flex room right off of the open concept living area. New Kichler lights illuminate the home 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 with slide out shelves, built-in oven and convection microwave, new NATURAL GAS stovetop, French door refrigerator with deli drawer, large freezer drawer and ice maker, and granite countertops. Freshly painted walls set the stage for the coastal ambiance of the home and is complemented by the charming plantation shutters and custom black-out blinds. 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 suite features two large walk-in closets, a well-equipped ensuite bath with dual vanities, an enormous walk-in shower, and plenty of storage. Venture outside and enjoy a cool drink under the shady lanai, relax on a lounger on the sun-shelf, or go for a dip in the heated, saltwater pool. Additionally, you can rest peacefully knowing there is a splash sensor alert for the pool and security cameras that stand guard day and night. This community has a low HOA, NO CDD (YAY!), a beautiful clubhouse with large pool, park, dog park, pickleball courts, fitness center, picnic shelter, grills, and fire pit. Conveniently located near the Manatee River, Fort Hamer Bridge, Ellenton Outlet Mall, Rye Preserve, Lakewood Ranch, shopping, dining, and several golf courses, there is always something to see and do. The beautiful beaches of Anna Maria Island are just a short drive away and you can easily get to Tampa, St. Petersburg and Sarasota, too. With so much to offer, don't hesitate. Make your appointment to see this beautiful home today!
Source: STELLAR #a4613319
Source: STELLAR #a4613319
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: #a4613319