8107 SW 92nd Cir, Ocala, FL 34481
3 beds · 3 baths · 2,354 sqft
Get a free consultation call with an expert in the mortgage assumption process.
One or more photo(s) has been virtually staged. Welcome to this delightful Arlington model nestled in the vibrant community of Candler Hills, part of the esteemed On Top of The World development in Ocala, FL. This stunning dwelling sits on an expansive 1/3 acre plot, which is perfect for incorporating a pool. Step into this beautiful 3-bedroom, 3-bathroom home and be captivated by its flawless design and thoughtful upgrades. Tailor-made for leisure and entertainment, the home features a spacious bonus room—200 square feet of heated and air-conditioned space with elegant epoxy flooring, ready to transform into your personal office, art studio, or cozy den. Elevate living with this smart home with upgraded plank ceramic tile flooring and exquisite custom lighting. The kitchen dazzles with level 4 cabinets adorned with crown molding and a chic backsplash. This meticulously maintained residence also includes custom blinds and shades, upgraded carpets, and thoughtful additions like closet organizers in the primary and mini-suite. Equally impressive, the luxurious bathrooms showcase upgraded tiles, mirrors, and fixtures. Step outside to enjoy the Florida lifestyle year-round in the spacious covered and screened-in lanai, surrounded by exquisite custom landscaping with curbing, river rock, and wht rock; the outdoor space is both beautiful and low-maintenance. Other features include a 3+ car garage with epoxy flooring, gutters, and French drains. The home also includes a 2017 Precedent Club Car golf cart, and two months of HOA dues will be covered in advance. Located close to local conveniences, this residence is a short distance away from the Circle Square Cultural Center, which features a variety of entertaining performances. Additionally, it is in close proximity to the three golf courses (with a fourth one on the way), making it perfect for those leisurely afternoons. Discover your forever home—schedule a tour today to experience this unique property firsthand.
Source: STELLAR #OM695162
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 #OM695162
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 and Equal Opportunity Act.