2718 SE 45th Ave, Ocala, FL 34480
4 beds · 3 baths · 2,336 sqft
SPACIOUS, RENOVATED AND UPDATED, MODERN FARMHOUSE IN THE MAGNOLIAS THE FOREST, GATED COMMUNITY WITH PRIVACY FENCED BACKYARD, SCREENED IN AND COVERED LANAI, AND CUSTOM BRICK PAVER PATIO WITH PLENTY OF ROOM TO LIVE AND ENTERTAIN! STEP INSIDE THIS MASTERPIECE INTO HIGH CEILING FOYERWITH HOME HOME NEW, MODERN LIGHTING AND STAIRCASE, TO THE LEFT IS THE 5TH BEDROOM OPPORTUNITY CURRENTLY USED AS AN OFFICE. TO THE RIGHT IS THE DINING ROOM, LEADING DOWN THE HALLWAY FROM DINING IS THE LAUNDRY ROOM, 1/2 BATH ON MAIN LEVEL, PANTRY AND THE INCREDIBLE KITCHEN WITH GORGEOUS GRANITE COUNTERTOPS, SUBWAY TILE BACKSPLASH, STAINLESS STEEL APPLIANCES, AN ISLAND ALL OVERLOOKING THE FAMILY ROOM WITH ELECTRIC FIREPLACE AND DOUBLE SLIDING DOOR LEADING TO SCREENED IN AND COVERED LANAI. HEADING UPSTAIRS TO THE SECOND FLOOR WE ARE GREETED WITH BRAND NEW 2024 UPGRADED PAD AND CARPET. TO THE RIGHT IS THE SPACIOUS PRIMARY AND PRIMARY BATH FEATURING GARDEN TUB AND SEPARATE GLASS SLIDING DOOR SHOWER. THE ADDITIONAL 3 BEDROOMS ARE ACROSS THE UPSTAIRS AND SHARE AND EQUALLY AS IMPRESSIVE 2ND BATH. ONE OF THE EXTRA BEDROOMS IS BIGGER THAN THE OTHERS AND ONE HAS A LVP PERFECT FOR YOUR FITNESS OR YOGA ROOM! STEPPING OUTSIDE TO YOUR BACK YARD ONTO YOUR CUSTOM, OVERSIZED PAVER PATIO PERFECT FOR A FIRE PIT, PERGOLA. THE BACK YARD IS PRIVATE WITH 6 FOOT VINYL FENCING WITH GATE. THE FRONT YARD HAS STONE PAVER STEPS TO FRONT DOOR AND 2 CAR GARAGE WITH MINI SPLIT A/C.. ALL OF THIS HOME HAS IN A LOW HOA $72/MONTH WITH GATE FOR SECURITY AND PRIVACY. iT DOES NOT GET ANY BETTER THAN THIS CLOSE TO THE CITY! 2024 30 YEAR ARCHITECTURAL ROOF, HVAC 2022, HOT WATER HEATER 2006
Source: STELLAR #O6269949
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #O6269949
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.