8413 Silverbell Loop, Brooksville, FL 34613
3 beds · 2 baths · 1,446 sqft
This recently built gem from 2019 welcomes you with an array of modern features and ample space, offering a comfortable and contemporary lifestyle. The open floor plan seamlessly integrates the kitchen and family room, creating a vibrant and inviting atmosphere for gatherings and daily living. The kitchen is a standout, boasting stainless steel appliances, elegant granite countertops, and a generously sized island, making meal preparation a joy. The tile and wood laminate flooring throughout exude sophistication while ensuring easy maintenance. For added convenience, this home features dual sinks in one of the bathrooms and a large walk-in closet, providing plenty of storage space. Inside, you will find an inside laundry room, making chores more manageable and organized. Step outside to the large, fully fenced yard, offering ample space and the perfect canvas for your dream pool or outdoor oasis. The potential for creating your private retreat is boundless. The Spring Ridge community is an added delight, offering a range of amenities including a clubhouse, party room with a kitchen, fitness center, playground, basketball court, and a junior Olympic-sized swimming pool. What is even more appealing is the remarkably low HOA fee, ensuring access to these facilities without breaking the bank. Located conveniently close to the Suncoast Parkway, commuting to both the Tampa Bay and Orlando areas becomes a breeze. This home is the perfect blend of modern living, convenience, and community amenities.
Source: STELLAR #tb8311105
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8311105
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: #tb8311105
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.