10905 Scenic Dr Port Richey, FL 34668
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About this home
Ideal for First-Time Buyers, Downsizers, or Investors! This beautifully remodeled turnkey 2-bedroom, 2-bath block home with an oversized 2-car garage sits on a spacious corner lot and is ready for you to move right in. Step inside to discover bright, open living areas with an open-concept floor plan, perfect for both everyday living and entertaining. The updated kitchen boasts modern cabinetry, granite countertops, and a center island—ideal for gathering and cooking. Need a home office? A dedicated den/office space provides the perfect spot to work remotely or enjoy a quiet retreat. Both bathrooms have been refreshed with new vanities and low-flow toilets. You'll also love the new luxury vinyl plank flooring, newer A/C unit (2023), and a brand-new tankless water heater (2025). The roof was replaced in 2015, and the upgrades don’t stop there! The OVERSIZED garage offers ample room for storage or a potential workshop setup. Outside, the FULLY FENCED huge backyard is ideal for pets, play, or extra parking—there's plenty of room for a boat, RV, or truck. With no HOA and low property taxes, this home is a rare find and an excellent value! Make sure you check out the 3D Virtual Walk and video!
Source: STELLAR #W7877506
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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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.