5453 FEZ CT, Brooksville, FL 34602
Why wait on new construction?! Built in 2022, this like-new 5 bedroom, 3.5 bath, 2 car garage, 2 story home offers expansive, open living spaces and a flexible bedroom layout suitable for a wide range of new home seekers. Located in the desirable Trilby Crossings neighborhood, you are welcomed by sidewalk-lined streets and a covered entryway. Step inside to easy-to- maintain plank tile flooring, a modern color palette, and a first floor designed for entertaining. The main living area is spacious and features a sliding door to the covered patio, a ceiling fan, and open sightlines of the nicely appointed kitchen and dining room providing wood cabinetry, granite countertops with breakfast bar seating at the central island, pantry storage, and a 4 piece stainless steel appliance package. Privately set on the first floor, the primary suite has plush carpet flooring, a large walk-in closet, and a lovely ensuite bathroom with dual sinks and a walk-in shower with a glass enclosure. Completing the first floor is the laundry room and a half bath for guest’s convenience! Stroll up the staircase to a carpeted second floor with a bonus room/loft, 4 generously sized bedrooms, and 2 full bathrooms with tub/shower combos. Trilby Crossings is a centrally located Brooksville community with just a short drive to major highways and offers a playground and dog park in the low HOA fee. Do not miss your chance to view this sizable like new home; call us today!!
You may be able to put down less than the total down payment amount of $55,527 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #t3551443
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.