9105 SE 55th Ter
Ocala, FL 34480
5 beds · 4 baths · 2,989 sqft
$439,000
Get prequalifiedAbout this home
Situated on a premium corner lot with no neighbors behind or to one side, this 5-bedroom, 3.5-bath home offers privacy, scenic farmland views, and a spacious triple split-plan design. Nearly new, this two-story home features a stone-accented entryway and glass inset front door leading into a bright, open-concept floor plan with high ceilings and a neutral color palette. The chef’s kitchen boasts recessed lighting, ample cabinet and counter space, a pantry, and bar-height seating overlooking the gathering room, where sliding doors open to a screened-in Florida room—perfect for relaxing or entertaining while enjoying peaceful pasture views. The first-floor owner's suite offers direct outdoor access, a large walk-in closet, and an ensuite bath with a double vanity and glass-accented walk-in shower with a transom window for natural light. Also on the main level are three additional bedrooms, two full baths, and a versatile flex space ideal for a home office or seating area. Upstairs, a bonus loft with a half bath provides extra living space for a game room, media room, or den. Adding to its appeal, this home includes a whole-home solar system, reducing energy costs and promoting sustainable living. Located in a convenient community, it offers easy access to shopping, dining, medical facilities, and public parks, with outdoor attractions like Santos Trails for hiking and biking and Baseline Golf Course just over a mile away. A short drive takes you to The Villages, making this an ideal home for both relaxation and an active lifestyle.
Source: STELLAR #OM695158
Neighborhood
FAQs
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
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