9358 Rally Spring Loop, Wesley Chapel, FL 33545
3 beds · 3 baths · 1,822 sqft
(NON FLOOD ZONE) Discover the epitome of modern living in the desirable Epperson community with this exquisite 2021-built home, boasting 1,822 square feet of thoughtfully designed space. This residence encapsulates the perfect blend of comfort and elegance, offering three bedrooms, two and a half bathrooms, and a myriad of amenities tailored for luxurious living. As you step inside, the first floor welcomes you with an open floor concept that seamlessly merges the kitchen with the living and dining areas, creating an expansive space for gatherings and daily activities. (The kitchen, a chef's delight, features a breakfast bar, a spacious pantry, and direct access to a 2-car garage), with (Epoxy flooring). Adjacent to the front door, a convenient half bathroom adds to the layout's practicality. Natural light floods the space through glass sliding doors in the dining room, leading to a large, fenced backyard that promises privacy and tranquility. The outdoor area is an entertainer's dream, featuring an awning-covered patio complemented by a custom outdoor kitchen/grill and a cozy fireplace, offering the perfect backdrop for memorable gatherings. (Upstairs), the private quarters (include all three bedrooms), ensuring a peaceful retreat from the day's activities. The master bedroom stands out with its spacious walk-in closet and an en-suite bathroom equipped with a stand-up shower and a double sink vanity for ultimate comfort. The additional bedrooms, each with built-in closets, share a full bathroom with a shower-tub combo, catering to both convenience and style. A strategically placed laundry room on the second floor adds to the home's thoughtful layout, emphasizing ease of living. The Epperson community enriches this home's appeal with its plethora of amenities, including a playground, a dog park, walking trails, and the crown jewel, Epperson Lagoon. The master community offers a clubhouse and an array of lagoon activities such as kayaking, a beach, and floaties, making every day feel like a vacation. (The Kirkland K-8 Charter School just a few blocks away and opening Aug. 2024!) This home is not just a residence; it's a lifestyle offering unparalleled comfort, luxury, and community amenities. It's an invitation to indulge in the best of modern living, all within the embrace of the coveted Epperson community.
Source: STELLAR #T3514894
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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
Source: STELLAR #T3514894
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
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 “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.
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 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.
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