6042 TOPSAIL RD, Lady Lake, FL 32159
Escape to a luxurious country club lifestyle in this exquisite 3-bedroom, 2-bathroom villa boasting beautiful views of Lake Griffin within Harbor Hills community. Embraced by a gated entrance and attentive staff available 24/7, this haven offers a blend of serenity and security. Indulge in a maintenance-free lifestyle where exterior home upkeep, including roof repairs (excluding replacement), lawn irrigation, and complete yard care, are all handled by the HOA. Upon entering this meticulously maintained 2000 + square-foot residence, you'll be captivated by its move-in ready charm. The living, dining, and bonus/family rooms seamlessly intertwine, accentuated by custom built-in cabinets and a cozy fireplace, creating an ambiance of warmth and sophistication. The kitchen features stainless appliances, induction range with convection oven, a closet pantry, and some of the most beautiful views in Central Florida. Retreat to the private courtyard adjoining the spacious master bedroom, where tranquility awaits. The en-suite bathroom boasts a walk-in closet, ensuring ample storage and comfort. Conveniently park in the attached oversized two-car garage, complete with a separate golf cart door for added convenience. Harbor Hills epitomizes resort-style living with its championship golf course, driving range, practice putting greens, and clubhouse. Pickleball & tennis enthusiasts will delight in pickleball courts and tennis courts. The avid anglers and boaters can indulge in world-class fishing and boating opportunities at the private marina, dock, and boat ramp. Take advantage of the junior Olympic pool, fitness center, pro-shop, and casual dining options at The Grill, all within reach. Despite its tranquil countryside setting, this community is conveniently located near dining, shopping, healthcare facilities, and the vibrant community of The Villages. Elevate your lifestyle with optional Clubhouse social and Golf memberships, available for a separate fee. Experience the epitome of luxury living at Harbor Hills – where every day feels like a vacation.
You may be able to put down less than the total down payment amount of $169,586 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: #g5080316