4445 SE 61st St, Ocala, FL 34480
3 beds · 2 baths · 1,340 sqft sqft
** 1 YEAR HOME WARRANTY WHEN YOU BUY THIS HOME** Discover the perfect blend of charm, comfort, and convenience in this beautifully maintained 3-bedroom, 2-bathroom home, offering 1,340 square feet of thoughtfully designed living space. From the moment you step inside, you’ll feel right at home in the inviting living room, which features a cozy wood-burning fireplace—ideal for creating a warm, welcoming atmosphere. The kitchen will delight any home chef, boasting sleek, modern appliances, generous counter space, and ample storage to make meal prep and entertaining a breeze. Whether you’re hosting guests or enjoying a quiet night in, the open flow between the kitchen, dining, and living areas makes the space feel both practical and comfortable. The large primary bedroom is a peaceful retreat, offering plenty of space for a king-size bed and additional furnishings, with a large walk in closet and a private en-suite bathroom for added convenience. Two additional bedrooms are versatile, perfect for children, guests, or a home office, ensuring everyone has a space of their own. Not only does this home charm with its interior features, but recent upgrades provide peace of mind and add long-term value. In 2022, both the roof and HVAC system were replaced, meaning you can enjoy years of worry-free living in your new home. One of the highlights of this property is the outdoor living space. Step out to the screened-in back patio—a serene spot to enjoy your morning coffee, evening meals, or simply relax while taking in the fresh Florida air. The fully fenced backyard is spacious, offering privacy and security for pets or children to play. Whether you envision weekend barbecues, gardening, or creating a tranquil oasis, the outdoor space provides endless possibilities. Additional storage or workspace can be found in the roomy one-car garage, which offers versatility for tools, hobbies, or even a home gym setup. Plus, the driveway provides ample parking for visitors. Location is key with this home as its just minutes away from local shops, dining, schools, and parks, ensuring everything you need is within easy reach. Whether you're a first-time homebuyer or looking to downsize without sacrificing comfort, this home is move-in ready and waiting to welcome you. Don’t miss the opportunity to make this house your home. Schedule your private tour today and start imagining your life in this wonderful space!
Source: STELLAR #om686837
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #om686837
Source: Public records
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: #om686837
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.