9478 SW 52nd Loop, Ocala, FL 34481
3 beds · 2 baths · 2,196 sqft sqft
** Over $50,000 in BUILDER upgrades ** Say hello to retirement in luxury and STYLE! Welcome home to Saratoga, nestled inside Stone Creek in Ocala's premiere Del Webb golf community. This stunning home offers the perfect blend of modern living and natural beauty. Within a serene neighborhood, you'll enjoy convenience to local amenities, comfort, and style. Upon entry, you'll walk down your foyer to an open and inviting floor plan that seamlessly connects the living spaces. The spacious living room of this RETIRED floor plan (only a handful exist!) has a tray ceiling upgrade and is bathed in natural light. High end ceiling fan installed here and in all bedrooms. If you appreciate the outdoors, you'll love morning coffee on your fully screened & enclosed lanai (upgrade). Ceiling fans were installed here as well to ensure comfort year-round. The patio extension (upgrade) gives additional outdoor space perfect for grilling. The kitchen is yet another nod to luxury with ample counter space completed with sleek corian countertops, custom wood cabinet upgrades and high-end smart appliances (you can program your stove!) to compliment the many other smart home features. Did I mention the entire kitchen is an upgrade? Beautiful wood-look flooring throughout common areas installed by builder (as an upgrade), and freshly installed cushion carpet in all bedrooms. Control your home's temperature while home or away from your smart thermostat. Forget to lock the door? Did you leave the garage door open? Never worry if your home is secured with your electronically controlled door lock and garage operator. All smart features are a builder upgrade. The master suite is an ideal retreat with a generous walk-in closet. The en-suite bathroom induces a spa-like experience with its natural lighting and glass enclosed walk-in shower. Additional bedrooms provide ample space for family and friends or can be repurposed to suit your needs. Flex space with a large bay window near the home's entry is perfect for a home office, a gym, or a hobby room. The entire home has accessibility upgrades. The extended 2 car garage upgrade gives more room to store your large cars or toys. This truly is a must see. Call to schedule your appointment today!
Source: STELLAR #gc518489
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #gc518489
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: #gc518489
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.