1806 W Hall Pl, Citrus Springs, FL 34434
3 beds · 2 baths · 1,973 sqft
Welcome to this beautifully maintained 3-bedroom, 2-bathroom home. Nestled in the heart of Citrus Hills, built in 2004 and offering 1,973 sqft of living space, this home has been thoughtfully updated with modern upgrades for comfort and peace of mind. A NEW ROOF was installed in 2022 and comes with a transferrable warranty. The kitchen has been completely remodeled with QUARTZ countertops and sinks, also backed by a 25-year transferrable warranty. Stylish LVP flooring and carpet have been installed throughout, complementing the fresh interior and exterior paint completed by a professional contractor. With spacious living areas, a SPLIT-BEDROOM layout, and a WELL MANICURED LAWN, this home is move-in ready and waiting for its next owner. Conveniently located near Crystal River National Wildlife Refuge, Hillborough River State Park shopping, and schools, it offers the perfect blend of comfort, style, and functionality. Additional upgrades include a new AC, air handler, and heat pump (2021-2023), a water heater (2022), and high-top toilets with bidets in both bathrooms. The living and family rooms feature new ceiling fans with remotes, while updated lighting enhances the pantry and other spaces. The backyard has been fully fenced with both privacy and chain-link fencing, and the back porch and driveway have been freshly painted. For added convenience, the septic tank was pumped in 2021 by Aqua Well & Septic. Schedule your private tour today!
Source: STELLAR #G5092962
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #G5092962
To qualify, you must meet the current FHA or VA 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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.
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 “Save search” 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.
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 620, 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.