743 Ramirez Ave, Lady Lake, FL 32159
2 beds · 2 baths · 1,279 sqft
Welcome to your dream home in the highly desirable Villa De La Mesa located in the heart of The Villages! This 2/2 Baja Courtyard Villa offers a perfect blend of convenience and comfort. Not only is the BOND PAID, but the location truly sets this property apart; located within walking distance to Spanish Springs Town Square with shopping, dining, and nightly entertainment and a short golf cart ride away from Lake Sumter Landing. The neighborhood of Villa De La Mesa also includes its own PRIVATE POOL AND PARK. As you walk into the home you are greeted by an inviting living space with OPEN KITCHEN/DINING/LIVING ROOMS. Perfect for entertaining, the kitchen includes a counter-top area open to dining room. The kitchen is complemented by NEW APPLIANCES and plenty of storage. The primary bedroom boasts an en-suite bathroom with newly remodeled SHOWER WITH RAIN HEAD AND SHOWER SYSTEM with BODY SPRAYS. Bedroom 2 is roomy and convenient to Bathroom 2 for privacy. Step outside to your private courtyard complete with a 7’ x 11’ SWIM SPA, perfect for relaxation. Situated just half a mile from the Spanish Springs Town Square, which includes new restaurants Bella Vita Italian Steakhouse, Blondie's and Coastal del Mar, along with the Sharon L. Morse Center for the Performing Arts and located near Tierra Del Sol Country Club & Championship Golf Course, Hacienda Hills Championship Golf Course , numerous Executive Golf Courses (De La Vista, Chula Vista, El Diablo, El Santiago, Mira Mesa), Recreation Centers (Chula Vista, Tierra Del Sol, Rio Grande, El Santiago), and Highway 441 with Medical Centers, Shopping & Dining. Roof 2017, H2O Heater 2023, HVAC July 2024, Appliances: refrigerator, dishwasher, microwave, oven 2023, Bathroom remodel 2024. Furniture available separately.
Source: STELLAR #g5084864
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #g5084864
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: #g5084864
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.