3452 Umber Rd, Holiday, FL 34691
3 beds · 2 baths · 1,368 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Every detail has been thoughtfully renovated to create a space you’ll love to call home! This 3-bedroom, 2-bathroom home with a 2-car garage strikes the perfect balance of style and timeless charm. Featuring a newer roof (2022), water heater (2022), HVAC (2023), waterproof vinyl and ceramic tile floors (NO CARPET), plus the added perks of NO HOA and NO FLOOD INSURANCE, this property offers incredible value. Step inside to discover an open floor plan with contemporary design elements and a modern aesthetic. The dining and living areas are elevated by a feature wall with built-in shelving and a COZY FIREPLACE. The kitchen shines with STAINLESS appliances, shaker cabinets, a spacious island, and designer lighting. Extend your living space outdoors on the screened-in patio overlooking the FENCED BACKYARD—perfect for morning coffee, weekend barbecues, or even adding a pool. There's plenty of room for pets to play or outdoor activities. The primary en-suite includes a walk-in closet and private patio access, while two additional bedrooms and a flexible bonus space complete the layout. Situated in a central location, this home is just minutes from the Tarpon Springs Sponge Docks, Fred Howard Park, and Anclote Key State Park. Explore the lively downtown areas of New Port Richey and Port Richey, known for their music, entertainment, and dining. With convenient access to the Gulf of Mexico and Clearwater Beach, this home is ideal for anyone seeking to embrace Florida’s coastal lifestyle. Schedule your tour today!
Source: STELLAR #W7870026
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 #W7870026
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.