39100 Tacoma Dr, Lady Lake, FL 32159
3 beds · 3 baths · 2,689 sqft
ENJOY QUIET, RELAXING SURROUNDINGS in the beautiful HARBOR HILLS GOLF AND COUNTRY CLUB community. This 3 bedroom two and half bath home has an upstairs bonus room with a closet and could serve as an extra bedroom if needed. Entering the home, you will find an office to the right which also features a closet. To the left of the entry, you find the formal dining room that opens to the family room. This space has volume ceilings and opens to lanai. The kitchen is bright and cheery and offers quartz counters, quiet close cabinets and drawers and a touch activated smart sink. The breakfast area, right off the kitchen has nice picture windows offering natural light and a soothing view. The king-sized primary suite is on the right of the home and features a sliding glass door that open to the lanai, volume ceilings, a large walk-in closet with built ins, and a custom shoe closet. The primary bath has his and her Quartz vanities, garden tub and a separate shower. The guest suite holds two large bedrooms, both with their own walk-in closets with access to the Jack and Jill bathroom complete with a tiled shower. In 2019 a half bathroom was added off the garage in the laundry room. The expanded side garage has enough room for your vehicles as well as a workshop. The roof was replaced in 2016, NEW HVAC 2024, the electrical outlets have been updated, a water descaler installed, and canopy lighting on a timer added outside and the home was re-piped in 2025. The home has ceiling fans, crown molding, picture windows from the breakfast room, upgraded flooring and so much more. The Harbor Hills Community boasts a Lloyd Clifton designed par championship golf course, Olympic sized swimming pool, Racquet Ball, Pickleball, and access to Lake Griffin on the Chain of Lakes. Social and Golf Memberships are available. The Community is just minutes from the Villages to enjoy entertainment, shopping, restaurants and so much more. Don't wait, call today for your own personal tour of this amazing home.
Source: STELLAR #G5093508
Financials
Source: Public records
Source: STELLAR #G5093508
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.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.