37443 Gill Ave, Zephyrhills, FL 33541
2 beds · 2 baths · 1,210 sqft
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!
Source: STELLAR #t3495793
Source: STELLAR #t3495793
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: #t3495793
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.