9630 S Lotus Pt, Homosassa, FL 34448
3 beds · 2 baths · 1,925 sqft
One or more photo(s) has been virtually staged. WOW ... Close to 10 Acres , Seller's is also selling the adjoining property MLS # TB8316937 ! Welcome to This exquisite custom-built Home, completed in 2005, features 3 bedrooms and 2 bathrooms, plus a dedicated office space.The home exudes a warm and inviting atmosphere, perfect for curling up in front of the fireplace with a good book. The spacious kitchen features an island and a breakfast bar, ideal for casual meals and gatherings. With ample cabinet space and a well-designed pantry, organization and functionality are prioritized, making it a dream for any home chef. This is a VERY UNIQUE AND RARE OPPORTUNITY !! Bring your BOATS, RV,CAMPER,TOYS,ETC.. NO HOA !! NO CDD OR DEED RESTRICTIONS !! So choices are vast and all yours. Imagine RELAXING ON YOUR OWN OVERLOOKING POND.!! METAL ROOF ,BRAND NEW WATER HEATER -2024 ,COOKING RANGE-2024 and SS Appliance. Nestled on rare acreage adjacent to the beautiful Homosassa Forest, you’ll enjoy nature at its finest, with Deer strolling by to nibble on grapes from your arbor by the greenhouse. Enjoy your Florida room and all the nature you care to enjoy. Beyond the property line, the greenbelt offers a sense of privacy and seclusion, creating a nature filled backdrop for daily life. This home has it all If you are looking for a one of a kind home that you can make your own, look no further. Chassahowitzka springs is minutes away . Location provides easy access to Shopping, medical services, restaurants all just minutes away.!! Call and Schedule your private showing today.
Source: STELLAR #tb8314812
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8314812
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: #tb8314812
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