609 Washita Stone Dr, Ruskin, FL 33570
6 beds · 5 baths · 3,925 sqft
Don’t miss this rare opportunity! Discover the epitome of comfort and convenience with this exceptional dream home nestled in the heart of Tampa's coveted River Bend community. The property boasts a distinctive in-law suite with its own private driveway, one car garage, kitchen, bedroom, bathroom, walk-in closet, washer and dryer and a separate front door for added privacy. This self-contained sanctuary is ideal for multigenerational living or as a rental opportunity, providing unparalleled flexibility to homeowners. This 6 bed/4.5 bath home has ceiling fans, multiple his and her sinks, a Roman-style Jacuzzi tub, and an invigorating walk-in shower. The property is equipped with a three-car garage, complemented by BRAND-NEW SOLAR PANELS. This eco-friendly addition not only contributes to sustainability but also reduces energy costs. The kitchen also has an island and a large walk-in pantry. The expansive backyard sets the stage for unforgettable gatherings, providing an ideal venue for family events and celebrations. Upstairs, a spacious den awaits, perfect for family gatherings. With ample room for a full-size couch, pool table, and large-screen TV, this area offers endless possibilities for relaxation and entertainment. Residents also enjoy exclusive access to the club house featuring a fully equipped gym, tennis and basketball courts, a sparkling pool, a kiddie pool, and a playground area. The club house hall also provides a stylish indoor venue for various events. Whether you're a first-time homebuyer starting a family or an investor exploring rental opportunities, this property is a versatile and lucrative investment. Explore the potential of renting out the in-law suite or utilizing the entire home as an Airbnb, maximizing the property's value. ***Accuracy of all information deemed reliable but not guaranteed and should be independently verified. ***
Source: STELLAR #t3501924
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3501924
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: #t3501924
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.