2629 HOLLY BLUFF CT, Plant City, FL 33566
Motivated Seller! Welcome to this charming 3-bedroom, 2-bathroom home. This residence boasts a spacious 2-car garage and a screened-in porch, allowing you to enjoy the beautiful Florida weather year-round. Community Pool, hiking and biking trails and tot play area in neighborhood. Step inside and be greeted by a well-designed layout that offers both comfort and functionality. The open-concept living and dining area provides ample space for entertaining guests or simply relaxing with your loved ones. The kitchen is a dream, featuring modern appliances, plenty of storage space, and a convenient breakfast bar. Prepare delicious meals while enjoying views of the large yard, perfect for outdoor activities and gatherings. The master bedroom is a tranquil retreat, complete with a walk-in closet and an en-suite bathroom for your utmost convenience. The two additional bedrooms are generously sized and can easily accommodate guests, a home office, or a hobby room. This home is located in a sought-after HOA community, ensuring well-maintained common areas and access to exclusive amenities. From neighborhood parks to community events, there's always something to enjoy. House is walking distance from neighborhood pool. Don't miss out on the opportunity to make this house your home. Schedule a showing today and experience the perfect blend of comfort, style, and community living in Plant City. AC replaced in 2023.
You may be able to put down less than the total down payment amount of $119,331 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #a4616677