2604 Dakota Rock Dr, Ruskin, FL 33570
5 beds · 3 baths · 2,290 sqft
Immaculately updated 2 story corner lot home in the delightful River Bend subdivision in Ruskin, FL. This home boasts 2,290 sq.ft. with 5 bedrooms with 3 full bathrooms plus a loft and a 3 car garage. Upon entering the home there is a living/dining room combo in front with vinyl flooring. The kitchen has been completely updated with new streamlined cabinetry with soft close doors, sink and faucet complimented by stainless appliances creating a modern update to an already remarkable home. The exquisite quartz countertops complete the overall sleek feel of sophistication. The spacious primary bedroom leads to a large bathroom with completely updated separate glass enclosed shower and large jetted soaking tub. The brand-new separate vanities and sinks with updated mirrors create a beachy feel to this large retreat. The upstairs has a bedroom and full bath with a loft perfect for creating a quiet separate space. This home had a new roof installed in 2022 and a new A/C System put in at the end of 2023. All new carpet in living areas as well as freshly painted throughout the entire interior. Garage was also freshly painted including the floor with extensive shelving to stay organized. It has galvanized storm shutters and is a smart home so you can control the "Nest" from your phone app. It has a security system with Ring doorbell and security cameras around the home for additional peace of mind. Sprinkler System is operational as well to keep the yard in pristine condition. The CDD is part of the taxes, but Buyer should verify. Come see this amazing home while it is still available.
Source: STELLAR #t3532377
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3532377
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: #t3532377
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