2329 W Autumn Pl, Citrus Springs, FL 34434
2 beds · 2 baths · 1,104 sqft
MOTIVATED SELLER! NEW ROOF AND NEW A/C IN 2024 for peace of mind! Whether you are looking for your first home, winter home, downsizing you'll love the comfortable feeling this home has. Citrus Springs was named for the crystal clear fresh water springs that exist in the area including the Rainbow River where you can ride down the river and see Mother Nature at her best. This home sits on a corner lot measuring a little over 1/3 of an acre. Other features are a large kitchen with newer vinyl plank flooring, newer stainless steel appliances, and a kitchen window that looks over the back yard. There is a screened in Florida room/patio under roof with sliding glass windows so whether rain or shine it's a comfortable room to enjoy your coffee. Citrus Springs offers lighted tennis courts, golf course, play area for the kiddo's and 46 miles of biking and walking on the Withlacoochee trail. You are also a short distance to the Gulf of Mexico or swimming with the manatees, kayaking, boating and plenty more to see. All of this and much more surrounding your new home. Citrus Springs is close proximity to larger cities and is the place to live... Best of all there are NO HOA FEES. Seller willing to give credit at closing towards closing costs or making some updates.
Source: STELLAR #t3545895
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3545895
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: #t3545895
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.