5630 Rockfield Loop, Valrico, FL 33596
3 beds · 3 baths · 1,966 sqft
Congratulations – you’ve found a Beautiful Home in the Coveted Golf Community of River Hills! Discover superb Florida living in this stunning 3-bedroom, 2.5-bathroom home with a highly desirable floor plan. Located in the prestigious, gated and guarded River Hills community, this home offers comfort, convenience, and an exceptional lifestyle. The primary suite is conveniently located downstairs, featuring crown molding, French doors leading to the enclosed lanai, and a luxurious en suite bathroom with dual walk-in closets, a garden tub, a tiled shower, and split vanities. The open floor plan welcomes you with a dramatic entrance from the foyer, leading to the formal dining room with elegant crown molding, a spacious great room, and a bright kitchen. The kitchen is a chef’s delight, offering a large breakfast bar, a separate dinette area, and an abundance of natural light. French doors in the great room open to the oversized, fully screened lanai, perfect for entertaining or relaxing. Upstairs, you’ll find two secondary bedrooms, a full bathroom, and a sprawling loft/bonus room—a versatile space perfect for a playroom, office, or media center. The warmth of carpet upstairs complements the laminate and tile flooring throughout the downstairs living areas. Step outside to a tranquil backyard oasis, with conservation views and a peek-a-boo view of the pond. The oversized lanai is perfect for enjoying serene mornings or entertaining guests. River Hills is a 24/7 gated and guarded community that welcomes golf carts and boasts a wide range of amenities, including a community pool, tennis and basketball courts, playgrounds, and a pristine golf course. Nestled in the heart of Valrico, the community is close to exceptional schools, restaurants, major highways, and shopping venues. This home has it all—space, style, and a premium location. Don’t miss your chance to make it yours. Schedule your showing today!
Source: STELLAR #TB8332234
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #TB8332234
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: #TB8332234