6018 Gannetdale Dr, Lithia, FL 33547
5 beds · 2 baths · 2,229 sqft
Get a free consultation call with an expert in the mortgage assumption process.
VA ASSUMABLE LOAN for qualified buyers! Welcome to this cozy 5-bedroom home in the highly sought-after FISHHAWK RANCH community, known for its top-rated schools and resort-style amenities. This home offers peace of mind with numerous updates: NEW roof (2021), AC unit (2016), Samsung kitchen appliances (2021), LPV flooring and carpet (2021), water softener (2021), exterior paint (2022), and garage door opener (2021). Step inside to an inviting foyer leading to a spacious formal dining room. A bright front-facing room with three large windows makes an ideal office or guest room. A stunning arched doorway with columns brings you into the open-concept family room and kitchen, featuring quartz countertops, a breakfast bar, and eat-in nook. The family room features triple sliders that open to a screened-in lanai, suitable for relaxing or entertaining. The master suite boasts tray ceilings, double sinks, a large soaking tub, separate shower, and private access to the lanai. Three additional bedrooms and a full bath sit on the opposite side of the home. **floor plan in attachments. FISHHAWK RANCH amenities include lagoon and competition pools, splash zones, an aquatic center, tennis and pickleball courts, skate park, sports fields, miles of trails, playgrounds, dog parks, Park Square, shops, dining, and AND MUCH MUCH MORE! Don't miss this opportunity to live in one of Lithia's premier communities and embrace the FISHHAWK RANCH lifestyle. Schedule your private tour today!
Source: STELLAR #TB8377415
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8377415
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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.
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 “Save search” 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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.