4115 Ruby Run, Haines City, FL 33844
4 beds · 3 baths · 2,029 sqft
Welcome to 4115 Ruby Run a charming single-family home in the desirable Haines City, community. Built in 2022, this well-maintained residence offers 2,032 square feet of comfortable living space, complete with solar panels to lower monthly electric costs. Step inside to discover an inviting open floor plan that seamlessly connects the living room, dining area and modern kitchen, creating an ideal space for both relaxation and entertaining. The kitchen features high-quality appliances, ample cabinetry, and generous counter space, catering to all your culinary needs. The primary suite serves as a private retreat with an en-suite bathroom, while three additional bedrooms provide flexibility for family, guests, or a home office. Situated on a generous lot, with no rear neighbors a screened-in lanai and a screened-in front porch, this home is perfect for entertaining & enjoying FL evenings. Just minutes from Legoland, this home provides easy access to both Tampa and Orlando, allowing you to enjoy small-town charm while being close to major cities, airports, and world-class theme parksall without the high living costs of those areas. Don't miss your chance to own this beautiful home in the heart of Haines City. Schedule your showing today!
Source: BREVARDMLS #1039466
Source: BREVARDMLS #1039466
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%. 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.
Other resourcesWhat 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.