7181 SW 64th Street Rd, Ocala, FL 34474
4 beds · 4 baths · 2,645 sqft
SELLER OFFERING RATE BUY DOWN OR CLOSING COST ASSISTANCE UP TO 5K FOR BUYER. Gorgeous Gardenia located on a spacious corner lot in sought after neighborhood of Calesa Township. This home has 4 bedrooms, 4 bathrooms, a 2 car garage, air conditioned workshop, and a large screened lanai! The 2nd bedroom is located at the front of the home with a private entrance, carpet, fan and private bath. The 3rd bedroom also has carpet, fan, and en-suite. Both the 2nd and 3rd bathrooms have tile floors, quartz single vanity sink, and a tub/shower. Follow through the foyer to the open great room with tray ceiling, carpet, and ceiling fan. The kitchen features dark cabinets, large island, stainless steel appliances, granite counters, and a nest with built in cabinets, mini fridge, sink, and walk in pantry. Split floorplan allows for tons of privacy with the 4th bedroom located at the back of the home. Bedroom features include carpet, walk in closet, and ceiling fan. The 4th bathroom is easily accessible from the added door leading to the screened lanai with a sink with quartz counters, and a shower with glass doors. The master suite has a large walk in closet, ceiling fan, large window, and carpet. The master bath has 2 spacious sinks with quartz counters, and a tiled walk in shower with a seat. Enter the huge screened lanai through your sliding glass doors to find 2 fans, and pre wiring/plumbing for outdoor kitchenette. The workshop in the garage is under air with space for a gym! Don’t miss the opportunity to make this exceptional home yours! Your LOW HOA fee includes access to a pool, walking trail, play ground, basketball court and FAST-- the beautful state of the art indoor/outdoor pool facility. Coming soon will be a skate/bike park and additional play area!
Source: STELLAR #om683778
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #om683778
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: #om683778
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.