1608 Climbing Dayflower Dr, Ruskin, FL 33570
4 beds · 2 baths · 1,826 sqft
Welcome to this beautifully maintained 4-bedroom, 2-bathroom home in the sought-after community of Hawks Landing in Ruskin, FL. Seller is offering $5,000 credit at closing to the buyer. With 1,826 square feet of living space, this move-in-ready gem features a spacious, open floor plan that seamlessly connects the living, dining, and kitchen areas—perfect for both daily living and entertaining. The spacious kitchen comes complete with all appliances, offering ample counter space and storage, making meal preparation a breeze. The home boasts fresh, modern updates including a new AC system (2024), a new washing machine , and updated faucets in the bathrooms, ensuring worry-free living for years to come. Enjoy plenty of natural light through large windows that highlight the bright and airy ambiance throughout. Step outside to the covered and screened lanai, ideal for relaxing or entertaining while enjoying the lovely Florida weather. The expansive outdoor space offers endless possibilities for gardening, play, or simply unwinding after a busy day. With a 2-car garage, ample storage, and beautifully landscaped surroundings, this home provides comfort and convenience in a well-established neighborhood. Don't miss the opportunity to make this exceptional property yours! Schedule your showing today and experience the best of Ruskin living in Hawks Landing!
Source: STELLAR #tb8323923
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8323923
Source: Public records
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: #tb8323923
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.