5624 Mccoy Ct, Zephyrhills, FL 33542
2 beds · 2 baths · 1,092 sqft
This beautiful 2-bedroom, 2-bathroom home is move-in ready and boasts a fantastic range of amenities, with no HOA or CDD fees. Nestled in the sought-after Sunset Estates community in Zephyrhills, it sits on a serene cul-de-sac in a quiet neighborhood. The bright and spacious interior features high-quality vinyl flooring that adds a cozy touch. Surrounded by lush greenery, this property is a true retreat, perfect for nature lovers who enjoy pet-friendly areas and leisurely walks. The home offers plenty of room for entertaining, including access to a screened patio in the backyard, which provides privacy and is great for hosting gatherings. The master bedroom serves as a private retreat, complete with an en-suite bathroom and a generous walk-in closet. The main bathroom has been updated with a walk-in shower, The garage includes a laundry space, but it can easily be transformed into a third bedroom if desired. There is a lovely shed that serves as an excellent workshop. Embrace the Florida lifestyle with nearby outlet malls and diverse dining options, along with recreational facilities like a skate park, basketball and baseball fields, and dog parks. Zephyr Park and the Zephyrhills Museum of Military History has endless entertainment opportunities. The sellers are highly motivated and have completed a 4-point inspection, which can be provided to the new buyer, this home has been lovingly maintained by the seller. Seize the chance to claim your slice of paradise in Zephyrhills – book your showing now and discover the finest in Florida living!
Source: STELLAR #tb8330538
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8330538
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: #tb8330538
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.