927 Kelly Fern Loop, Ruskin, FL 33570
3 beds · 2 baths · 1,420 sqft
Find Your Slice of Sunshine in Ruskin! Built in 2023, this immaculate Starlight Homes Florida build offers a spacious heated living space, plus a 2-car garage. Located in a quiet subdivision, this house is perfect for those seeking both comfort and convenience. Once you step inside, you'll be greeted by high ceilings and an open floor plan, perfect for modern living. The gourmet kitchen features sleek granite countertops, a large kitchen island, and stainless steel appliances. This space is perfect for entertaining or enjoying everyday meals. The backyard is a true oasis, with serene pond views that make the outdoor space perfect for relaxation. Whether you’re sipping your morning coffee or hosting a weekend barbecue, you’ll love the peaceful water backdrop. Additionally, this home is equipped with durable and easy to install hurricane shutters, offering added protection and peace of mind during storm season. The community also features a playground and dog park only a few steps down the street from your home. Your commute is also a breeze to Lenard High School which is only 0.5 miles away and close to a variety of stores and restaurants. Plus, enjoy easy access to Apollo Beach, just under 5 miles away. Don’t miss your chance to own this move-in-ready home—schedule a showing today!
Source: STELLAR #tb8306635
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8306635
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: #tb8306635
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.