10072 Victory Gallop Loop Ruskin, FL 33573
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About this home
Welcome to this well-kept 3-bedroom, 2-bathroom home on a desirable corner lot in the Belmont community. With no rear neighbors and only one side neighbor, the property offers privacy along with a thoughtful, functional layout. As you arrive, the home greets you with a beautifully landscaped yard, paver driveway, and a cozy front porch perfect for enjoying your morning coffee. Inside, a foyer accented by tray ceilings leads into a bright, open living space. The design combines a large family room, dining area, and a kitchen featuring granite countertops, stainless steel appliances, and generous cabinet space. Additional features include smart home technology, pre wired security system, and a hybrid water heater for efficiency. The owner’s suite includes dual sinks with granite counters, a garden tub, walk-in shower, and an oversized walk-in closet with direct access to the laundry room for added convenience. Two secondary bedrooms are set apart from the primary suite, providing privacy for family or guests. A two-car garage with epoxy flooring and ceiling-mounted racks adds both durability and extra storage. Belmont offers a range of amenities including a resort-style pool, tennis and basketball courts, dog park, playgrounds, and walking trails. Its location provides quick access to I-75 and an easy commute to Brandon, Tampa, MacDill Air Force Base, the airport, Ybor City, and nearby beaches. Everyday conveniences such as grocery stores and restaurants are also just minutes away. This home is move-in ready and offers a perfect balance of comfort, privacy, and community living.
Source: STELLAR #TB8433621
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FAQs
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.
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.
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.
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.
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 “Save search” 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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
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