3939 90th Ave E, Parrish, FL 34219
3 beds · 2 baths · 2,112 sqft
Welcome, neighbor, to the lovely Gated Creekside Preserve! This peaceful community is just waiting to become your new home. Here, you won’t need to worry about flooding, and you can enjoy the company of nature’s finest friends – the ducks, birds, and fish that visit the serene pond right outside your door. Your furry friends will love the fenced yard, giving them a safe space to play while you relax. Imagine sipping your morning coffee on the patio, with the calming sounds of nature all around. This home has three cozy bedrooms and two bathrooms, perfect for a family. Inside, you’ll find not just one, but two living spaces – a separate living room and a family room. There's plenty of space to relax, whether you're entertaining guests or enjoying a quiet evening in. And don't worry about any surprises from your insurance company – the air conditioner is only five months old, and the water heater is just five years young. The roof is going on almost as we speak, so can't get much newer than that. The kitchen is every cook’s dream, with brand-new appliances (6 months young) and a handy bar area that’s just right for casual meals or catching up with loved ones. Open the sliding doors, and you’ll find yourself on the patio, ready to enjoy the best of indoor-outdoor living. The primary bedroom is a real treat, too – a spacious retreat - check the dimensions - where you can unwind at the end of the day. Plus, with an inside laundry room and a two-car garage, convenience is built right into this lovely home. As part of the gated Creekside Preserve community, you’ll have access to wonderful amenities like a playground and a dog park. And you’re in the perfect spot for all your shopping and dining needs, with a brand-new Lowes shopping center nearby and the vibrant restaurant scene along 301 just minutes away. Easy access to all the beaches anna Maria to Siesta Key a short drive for a day at the beach. We’d love to have you as part of our community. Don’t miss out on this special opportunity to make Creekside Preserve your new neighborhood!
Source: STELLAR #A4618253
Source: STELLAR #A4618253
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.