8811 SW 77th Ter, Ocala, FL 34476
3 beds · 2 baths · 1,855 sqft sqft
Your dream home awaits in the sought-after Indigo East neighborhood! This stunning Orchid Model, built in 2018, sits on a private .33-acre lot on a tranquil cul-de-sac, delivering the perfect combination of peace, space, and tropical charm. With 1,870 sq ft of thoughtfully designed living space, this 3-bedroom, 2-bathroom home includes a versatile flex room, making it ideal for entertaining or enjoying quiet moments. The open-concept layout flows seamlessly from the chef’s kitchen—complete with granite countertops, stainless steel appliances, a tiled backsplash, and custom cabinet organizers—into a spacious great room bathed in natural light from large windows and sliding doors. Nine-foot ceilings, recessed lighting, crown molding, and ceiling fans throughout elevate the home’s bright, airy feel. The master suite is a private retreat at the rear of the home, featuring a walk-in shower with a bench, dual vanity sinks, and a custom-organized walk-in closet. Two freshly painted and newly tiled guest bedrooms share a full bath with a tub and shower enclosure. Unwind on the front patio while taking in picturesque sunsets, or enjoy peaceful mornings on the lanai overlooking a beautifully landscaped backyard that slopes toward a serene wooded walking trail—perfect for gatherings, gardening, or quiet reflection. The laundry room, with a full-size washer and dryer, provides easy access to the spacious two-car garage for added storage. With a low HOA of just $225, you’ll enjoy all the amenities Indigo East and On Top of the World provide, including fitness centers, pools, golf, social clubs, pickleball, and more. Plus, Ocala’s best shopping, entertainment, dining, and top medical facilities are just a short drive away, making this home the perfect blend of relaxation and convenience. This move-in-ready tropical oasis won’t last long—schedule your tour today before someone else claims it!
Source: STELLAR #om686635
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #om686635
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: #om686635
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.