6010 SW 93RD CIR, Ocala, FL 34481
Welcome to the HALLMARK model located in the Nottingham phase of Stone Creek. Enjoy having no rear neighbors! This floorplan is a 3 bed 2 bath spanning over 1650 square feet. The kitchen features a large center island with seating that opens to the dining space - optimal for entertaining friends and family. The kitchen features a pantry, upgraded backsplash, 36 inch upper cabinets, and lighting package. The open floorplan flows all the way through to your screened lanai. The primary bedroom features tray ceilings, walk in closet, dual vanity, frameless walk in shower with seat, and water closet for privacy. The third bedroom has upgraded French doors to function very well as home office or hobby room. The laundry room has been fully outfitted with custom cabinets, counters, and dump sink. Other upgrades to the home include LVP in main living space, whole house water softener, epoxy garage floor, 8 foot doors inside, 4 foot extension on garage, landscaping all the way around, paver patio in the rear, and gutters. Stone Creek is an active and AMENITY RICH community featuring an indoor pool, outside pool, fitness center, pickleball courts, dog park, community garden, softball field, bocce ball, cornhole, restaurant, golf course, and more. In addition to the amenities your monthly HOA includes mowing, trimming bushes, trash pickup, and internet.
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: #om681116