9538 Via Segovia, New Port Richey, FL 34655
3 beds · 2 baths · 1,880 sqft
Seller's loan is assumable at 2.75 for active or retired military persons with VA home purchase benefits - please contact for details! This home has been beautifully maintained, updated and improved both inside and out as if the Sellers were going to stay forever! Walk up your manicured front yard with accent lighting to your expanded front porch and large double door entry. This home has so many upgraded features waiting for you, including fully renovated bathrooms (Brizo faucets in Owner's Washroom), Rheem hospital grade tankless hot water heater (2023), King Water whole home filtration system (2023), NEW ELECTRIC PANEL (2023), Chamberlain Smart Garage door is hurricane rated and insulated (2022), Rain Bird irrigation system, and so much more. Owner's bathroom has a large walk-in shower and separate jacuzzi tub. Enjoy a meal at your oversized kitchen counter, breakfast nook or in your dining room. Kitchen is full upgraded with a copper farmhouse sink, Hydrology touchless faucet, and SMART appliances, including induction Samsung smart stove, Samsung smart refrigerator and Samsung smart dishwasher. Complete your smart features with a Nest thermostat, Ring doorbell and several smart light switches. You can cozy up with your wood burning fireplace in the living room or enjoy time in your large, enclosed and temperature-controlled Florida Room! 2016 Roof and 2017 Trane A/C. Whole home camera system, complete with 14 cameras outside and 3 inside. The whole house is protected with French Drains. 2 car garage and expanded 3 car wide driveway will hold up to 5 cars. Landscaping for both front and backyard are top notch. Backyard is partially fenced. There is room to store a trailer behind the gate on the side of the home. Rear property line is connected to an unbuildable parcel of land that new Owner could negotiate with that current Owner (a different Owner to this home) to purchase, and beyond that unbuildable parcel of land is conservation, so enjoy long lasting privacy either way! Current Owners just put $30K into the backyard, including an oversized patio with 2 large Pergolas! Let's not forget the perfect space for an office just off the Owner's Suite with French Doors connecting the bedroom and office/flex room. Don't wait, this house is a GEM with upgrades galore!!
Source: STELLAR #t3553049
Source: STELLAR #t3553049
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: #t3553049
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.