37443 GILL AVE, Zephyrhills, FL 33541
LOW ASSUMABLE 5.625% MORTGAGE and NEW LVP (Luxury Vinyl Plank) floors on this MOVE IN READY HOME!! Want a Winter Vacation or Retirement home in Sunny Florida? Come to the HILLS of GATED GRAND HORIZONS, a premier 55+ community where you OWN your LAND! This Unique Jacobson home is Customized with a Screened in covered Deck on the front to enjoy the breeze and entertain friends and neighbors. Great curb appeal with widened driveway featuring decorative coating, landscaped lawn and tropical palm to welcome you! Enter thru the front door to this Light, Bright OPEN floor plan with Cathedral ceilings, Transom windows over the double window in the Great room plus an air conditioned BONUS room offering Flex space for a craft/sewing room, den, home office, fitness area or mancave with views of the front landscape.Stunning new LVP floors for a sleek look, new hardware and other Updated features include: 2020 ROOF with 5 year warranty (4/28/25); AC is 2018 Franklin 16 SEER 3 Ton Heat Pump with 10 year warranty, thermostat and surge protector plus Double pane windows for energy efficiency. Kitchen has a convenient center island with breakfast bar, 2018 Stainless steel appliances, ceramic band to accent the counters and white cabinets. Two spacious bedrooms at the rear of the home, Primary bedroom has a bath ensuite with Tile floors, a linen closet and full shower. Guest bedroom has a large closet and easy access to the full guest bath with a tub/shower combination, solar tube and tile floors. Well Maintained home on a quiet cul-de-sac street with no rear neighbors has been newly painted inside so you can MOVE RIGHT IN! Located in east Pasco County, just North of Tampa in Zephyrhills, within one mile of shopping, restaurants, bowling, theaters, library, medical facilities, hospital and YMCA. No CDD fees and Low HOA in this Community with Resident owned amenities: Heated Pool, Hot tub, Clubhouse with billiards, commercial kitchen, craft room, library/game room, shuffleboard, bocce, onsite entertainment, planned activities and travel excursions... Come by and see why this IS the place to BE! CALL TODAY!
You may be able to put down less than the total down payment amount of $17,926 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: #t3495793
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.