29443 Zeller Ave, San Antonio, FL 33576
2 beds · 2 baths · 1,625 sqft sqft
Seller offers 4000 in closing cost and ASSUMABLE MORTGAGE.(* 3.125*) rate. Enjoy your meticulously kept home in a vibrant neighborhood all minutes from the peaceful pastures of Pasco co. Just inside the guarded gate of Tampa Bay Golf & Country Club you will find tree canopied country lanes, beautifully landscaped fairways and greens. You can enjoy 27 holes of golf, a country club with bar and grill and 2 pools. Play golf, tennis, swim, dine with friends and enjoy live entertainment scheduled monthly. Plenty of room for riding bikes, golf carts and walking, bike and golf cart lanes provided. It has just been painted inside and out, the deck has been recoated along with the driveway with new epoxy. Behr paint and coating, includes a one year warranty from the contractor. The flooring in the entire living area (excl sunroom) has been replaced with luxury water proof flooring by Cali Bamboo, all under 50 year warranty. 5 1/4 inch base board moulding has been installed in all the rooms. A Rainbird irrigation system was installed in 2022, the hot water heater in 2020, the roof in 2016 and the "Smart HVAC System" in 2017 which receives quarterly maintenance. The kitchen features new double sinks, dishwasher, and disposal all under warranty, also in the kitchen is an adorable plant window for even more light and enjoyment. Great open floor plan with plenty of light. This home has a great sunroom and deck for enjoying the park like setting in the backyard. You will not have to go far to dine and shop, or simply stay in the community and enjoy the bar and grill in the country club. The community is located 10 minutes from town. Access to interstate is 5 minutes. Take a walk along plush fairways or take a golf cart ride. This community has cart lanes for your enjoyment and safety. Speaking of safety, relax knowing you have a guarded, gated entrance. To appreciate this home you will want to come see it, I would not wait too long. (*must qualify fha*)
Source: STELLAR #t3547276
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3547276
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: #t3547276
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