9905 SAGE CREEK DR, Sun City Center, FL 33573
Tucked away in the acclaimed Belmont community, this tastefully updated and lovingly maintained five bedroom, three bathroom home with a three car garage is simply a must see! Situated on a premium preserve lot, curb appeal abounds with manicured tropical landscaping and a covered front porch welcoming you. As you step inside you’ll be greeted by an abundance of natural light and charmed by the open and airy feeling the tall ceilings provide. Open concept living shines in the great room with the kitchen overlooking the living and dining areas. The kitchen leaps from the pages of the latest design magazine with 42” cabinetry, granite countertops, stainless steel appliances, a pantry, and an island among its many impressive features. Both the sliding glass doors and a pair of large windows frame the picturesque preserve views in the backyard. A bedroom is located on the first floor along with a hall bathroom that has a shower/tub combo. Journey upstairs and you’ll find a well sized bonus area that is perfect for a secondary living space, play area, craft room, or anything else you can imagine! The expansive owners suite will accommodate the largest of furniture sets and features an en suite complete with a soaking tub, walk-in shower, dual vanities, and a large walk-in closet with a tremendous amount of space and direct access to the laundry room. There are three additional bedrooms located upstairs along with a hall bathroom with a dual sink vanity and shower/tub combo. Step out back and you’ll find a large covered patio which overlooks the wonderful preserve area. The backyard itself offers plenty of green space and could easily accommodate a future pool. The Belmont community offers its own elementary school (Belmont Elementary), and features a resort-style pool, clubhouse, tennis and basketball courts, playground, dog park, fitness center, and miles of trails. Wonderful location with direct access to US 301 and US 41 from Paseo Al Mar Blvd within the community, a Publix shopping plaza right at the community entrance, and many shopping and dining options located minutes away. Put it all together and you’ll see this is an opportunity that truly shines!
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #t3540497
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.