5911 CIRCA FISHHAWK BLVD, Lithia, FL 33547
THIS LOVELY HOME IS A MUST SEE! PRIDE OF OWNERSHIP IS REFLECTED IN EVERY INCH OF THIS TASTEFULLY CRAFTED HOME. IF YOU LOVE AN OPEN FLOOR PLAN THEN YOU WILL LOVE WHAT THIS HOME OFFERS. BOASTING 6 BEDROOMS, 4 BATHROOMS, A BONUS ROOM AND 3393 SQ FT, THERE IS PLENTY OF ROOM FOR THE ENTIRE FAMILY. THIS HOME IS NESTLED IN THE HIGHLY SOUGHT AFTER FISHHAWK RANCH WEST COMMUNITY FEATURING THE LAKE HOUSE, THE CENTRAL HUB FOR DAILY GATHERING - WHICH INCLUDES THE HOA OFFICE, GAME ROOM, PLAY GROUND, FITNESS CENTER & RESIDENT COMMUNITY CENTER. THE COMMUNITY ALSO HAS A HEATED LAP POOL, PLAY POOL, STATE OF THE ART FITNESS CENTER BUILT FOR STRENGTH & WELLNESS, AND MORE. THE KITCHEN, DINING ROOM AND FAMILY ROOM FLOW DIRECTLY INTO ONE ANOTHER CREATING THE PERFECT AREA FOR ENTERTAINING YOUR LARGEST GATHERING OF FAMILY & FRIENDS. TAKE NOTE OF THE BEAUTIFUL FAMILY ROOM FEATURE WALL ADDING ELEGANCE & SOPHISTICATION. THE MASTER RETREAT INCLUDES AN EN-SUITE COMPLETE WITH STAND ALONE SHOWER AND GARDEN TUB. A SECOND BEDROOM WITH AN ADJACENT FULL BATHROOM IS ALSO LOCATED ON THE FIRST FLOOR AND IS PERFECT FOR AN IN-LAW OR FAMILY MEMBER UNABLE TO DO STAIRS. ROUNDING OUT THE MAIN FLOOR LIVING AREA IS A BUILT IN OFFICE AND DEDICATED LAUNDRY ROOM. AS YOU HEAD UPSTAIRS YOU WILL FIND A GENEROUS SIZED BONUS/GAME ROOM/FLEX SPACE, AS WELL AS 4 ADDL BEDROOMS, 1 WITH AN EN-SUITE, AND 2 FULL BATHROOMS. FEATURES & UPGRADES: LUXURY VINYL FLOORING, SCREENED LANIA, 2 CAR GARAGE COMPLETE WITH A TESLA CHARGING STATION AND SO MUCH MORE.
You may be able to put down less than the total down payment amount of $235,292 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: #t3509113