4215 SE 59th St, Ocala, FL 34480
4 beds · 2 baths · 2,306 sqft
ZERO DOWM with USDA loan...Or Assumable VA Loan ... for Qualified buyers. Newer ROOF 2022 ! HVAC 2024! UPgraded double pane windows 2004yr. Welcome to your FOREVER Home. YOU won't outgrow this 4 bedroom/2 Bath plus FLORIDA Room AND Detached Building- perfect Workshop- Man Cave- Game room or easily renovate into a Mother in law quarters or Air BNB, for additional income. With 2,306 of living square footage and a total gross area of 3,882+ , Situated on over HALF AN ACRE, Backyard completely fenced with WHITE VINYL PVC Privacy Fence, like New!!! With an additional courtyard-dog run- boat storage or perfect garden area! This home is Warm & Cozy from the front country porch to the Enchanting Florida Room with a beautiful landscaped view with an elongated water fall feature. Imagine the possibilities. The fun doesn't stop here! There's a completely separate Screened Room- gazebo style complete with ceiling fan & power. Perfect for Entertaining family & friends. The custom flagstone style sidewalk wraps from the driveway all the way around the side of the house and through the backyard, comes without much maintenance. Keep the dirt outdoors. The living room welcomes you with a GAS burning fireplace with a natural TRENDING RUSTIC Real WOOD mantle. Enjoy the popular "Exposed Wood Ceiling Beams". It can't feel more like home. The kitchen is any chefs dream with Extensive storage and real wood cabinets, built in desk/media area- for the chef's who watch the Tik Tok cooks or stream cooking shows. Elongated counters for dinner prep, entertaining & parties , plenty of space for baking large quantities during the holidays or fun projects. You are going to Love this kitchen with Upgraded refrigerator with two freezer drawers (& ice maker,) to the pull out drawers in the pantry. You can store, large dishes, cook ware, baking appliances and more here or in the adjacent laundry room with even MORE cabinets GALORE ! This home also has an attached garage with a 4th bedroom or flex room. Need a home gym? This is perfect. Have an extended family member that needs their own entrance...here you go! Worried about Insurance??? Roof was just replaced in 2022! HVAC 2024! This welcoming neighborhood is perfect for your FOREVER HOME. OVERSIZED home & .51 acres lot. The location is quiet, lots of friendly faces riding their bikes & walking their dog. It has all the storage you need, upgrades you love ,(NO CARPET except in flex room), RENOVATED bathroom with new tub & shower combo. Enjoy your landscaped paradise for outside enjoyment all year long in HUGE Screen room Gazebo style with metal roof, to last for years! . Updated bathroom vanities too. Neutral or light colors throughout. Move in soon, quick closing available! Also zoned for one of the highest demand HIGH Schools around for the programs they offer: FOREST HIGH SCHOOL ! Call with Questions. Call and see it TODAY! NO DOWN PAYMENT REQUIRED WITH A USDA LOAN. IT IS IN AN USDA ELIGIBLE AREA. Call your lender or Realtor for details ! High & Dry, not in a flood zone. No flood insurance should be required .
Source: STELLAR #OM694004
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Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
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We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #OM694004
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.
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.
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.
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.
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 “Save search” 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.
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 620, 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.