13915 Kingfisher Glen Dr, Lithia, FL 33547
2 beds · 2 baths · 1,769 sqft
Another beautiful home is now available in the 55 & better community of Encore in Fishhawk Ranch West. As you approach you will notice the welcoming front elevation with stacked stone accents, pavered driveway, sidewalk & front porch. Step inside through the beveled glass front door that provides natural sunlight onto staggered wood look tile flooring that flows throughout the home with exception of carpet in the Primary Bedroom. Tucked away at the front of the home is a guest room with an adjacent second bath. The Murphy Bed in the Guest Room will be removed before closing adding additional space to the room. Farther into the home is a flexible space that is perfect for an office/study/den. The back of the home features a spacious great room & well equipped kitchen with plentiful white cabinets, granite tops, tile backsplash, SS appliances, large center island with seating & pantry. The dining area is adjacent to the kitchen & family room making entertaining fun & easy. The family room opens to your outdoor living space with a covered, screened, lanai overlooking a deep & spacious backyard giving you more room between back neighbors. The primary suite is privately located in the rear of the home & features a coffered ceiling & plentiful windows overlooking the backyard. The En Suite master bath features dual sinks, wood cabinets, granite tops & a large walk in closet. This lovely light infused home features plantation shutters, crown molding, tall baseboards, outdoor camera, ring type doorbell & all appliances including washer and dryer so you can just move right in and enjoy!! You will never lack in things to do in Encore!! This home is located within walking distance to The Oasis Club, the community hub, featuring a resort style pool & spa, pickle ball, bocce ball, basketball court, entertainment room, outdoor gathering spaces with TV's, grilling area, firepit, bar & large catering space, fitness center, workout & card rooms that are all enhanced by a full time Lifestyle Director. The HOA fees include lawn maintenance, Spectrum High Speed Internet & Premium Cable. The owners in Encore can also enjoy the amenities in Fishhawk West that include pool, splash pad, the Lake House overlooking Lake Hutto with fitness center & game room as well as biking & walking trails. All of this & more. Start living your dream today!!
Source: STELLAR #TB8351723
Financials
Source: STELLAR #TB8351723
Source: Public records
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%. 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.
Other resourcesWhat 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.