36431 Florrie Mae Ln, Dade City, FL 33523
4 beds · 3 baths · 2,565 sqft
Get a free consultation call with an expert in the mortgage assumption process.
TWO HOUSES in one! Discover privacy and unmatched beauty with this custom-built, HIGH AND DRY, 3 bedroom 2 bath home with a 1 bedroom 1 bath in law suite, BLOCK home nestled on 5 TRANQUIL ACRES at the end of a dead-end street. Boasting 2565 square feet of living space, this residence features gorgeous hardwood flooring, expansive high ceilings, and a warm, inviting fireplace. The grandeur continues into the large kitchen, complete with a generous island, sleek stainless appliances, GRANITE countertops, CUSTOM BUILT SOLID WOOD CABINETS, and a spacious walk-in pantry. This home offers a desirable split floorplan, with a large primary bedroom that includes an ample closet for all your wardrobe needs. Indulge in the spa-like primary bath, featuring a relaxing soaking tub, a separate walk-in shower, dual sinks, and a private water closet. Additional benefits include an IN-LAW SUITE with a bedroom, bathroom, its own kitchen, large closet, separate HVAC unit, and two private entries adorned with elegant plantation shutters. Outside, the property is perfectly suited for HORSE enthusiasts or those seeking space, offering endless possibilities for equestrian activities. Additionally, a CHICKEN COOP with an auto door, automatic watering system, and fencing are on the property if you want to save on eggs! This property is completely fenced with an automatic gate with the option of a solid wood gate. Underground electricity has been run from the property line to the house. Experience the blend of comfort and sophistication in this beautiful retreat. This unique residence awaits to enchant and inspire. Don't miss the chance to make this your forever home.
Source: STELLAR #T3542169
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 #T3542169
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.