9815 Golden Loop, New Port Richey, FL 34654
3 beds · 3 baths · 1,976 sqft
Have you ever wanted to live the country lifestyle and yet be close to all the conveniences the city has to offer? This house offers this lifestyle if you choose to. Not only that, but it could be the dream house for the right person who is looking for an enormous workshop at home. Let me tell you all about this elevated home, your next home… Enjoy your favorite morning drink sitting on one of the three wood decks that you will find in this house. Either sit at the front porch, the rear porch, which is the biggest one, or your private primary bedroom's screened porch. The serenity and the lovely nature sounds you will hear throughout the day are very tranquil and relaxing. If you enjoy cooking, the custom-crafted kitchen is going to be your favorite place to be. With custom cabinets and drawers and plenty of storage, you will make gathering dinners a delightful reunion every time. The feeling of having a formal dining room and living room separated is a great way to create distinct spaces for different activities, enhancing both the functionality and aesthetic appeal of your home. On this second floor, you will also find a breakfast nook, a family room, and your separate laundry room. All sleeping quarters are located on the third floor. Here you will find two spacious secondary bedrooms and a bathroom to share. In the primary bedroom, you will find yourselves in an ample space to call your sanctuary. With your private screened porch, a sizable walk-in closet, and a bathroom with a soaking tub, you will have the enjoyment of your privacy to be pleasant. Let’s not forget the enormity of the first floor. This area has endless opportunities for your use. Whether you are looking for that workshop space and use it for your own business, or you are an artist and need such space, or just having the expansive amount of storage space for whatever you desire, in this first floor you will find three distinctive areas: the main open area that is part of your garage space and two separate rooms. It is all powered, allowing you to bring your tools and make it work for you. The grounds of this property are lovely. Being a corner lot with 0.68 acres for your enjoyment, you will have plenty of greenery to design beautiful gardens around this amazing house. Toward the back of the house, you will also find a double RV carport and the small pond frontage of this peculiar property. This property has had many upgrades and updates in the past few years, including a 5-year-old roof, a newer well pump, a 3-year-old AC, a newer whole house water softener, new paint inside and out, new carpets, newer wood floors, a newer kitchen, and many more. Make your appointment today to see this house and be prepared to fall in love with it and make it your own sooner rather than later! Serious offers only, no investors.
Source: STELLAR #tb8315647
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8315647
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 30-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: #tb8315647
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.