11444 Alachua Creek Ln Riverview, FL 33579
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About this home
Just last week, stunning new granite countertops were installed in the kitchen of this M/I-built Picasso floor plan, elevating the home’s design and functionality to the next level. This residence is truly a standout, offering upgrades and thoughtful details that make it shine! Featuring 3 bedrooms, 2 baths, a 2-car garage, and a large den or flex room, this home blends comfort and versatility. The community itself is peaceful and close-knit, with neighbors who support one another and a wide range of business owners who contribute to its welcoming atmosphere. Inside, the open-concept layout with a split floor plan ensures privacy while maximizing flow. Guest bedrooms are generously sized to fit queen beds. The chef-inspired kitchen offers custom pull-out shelving in the pantry and cabinets, an Instant water heater installed under the sink, and a brand-new GE range that will be in place before closing. The primary suite is its own private retreat, boasting an oversized bedroom, a spacious walk-in closet, and a handicap accessible bathroom complete with a walk-in shower. The HVAC system was updated in 2022 with UV technology and has been maintained annually for peace of mind. Outdoor living is equally impressive, with a north-facing lanai that stays shaded most of the day, perfect for cookouts, entertaining, or simply relaxing. The fully fenced yard includes a complete irrigation system plus planter irrigation for added convenience. Kevlar hurricane shutters are also included, delivering superior storm protection and helping reduce insurance costs. This community is more than just a place to live; it’s a lifestyle. Residents enjoy access to a well-equipped gym, a large pool, a game room, an adult recreation area, and rental space for gatherings, all complemented by secure mail services at the community center. The location is unbeatable, offering quick access to 301 and I-75, MacDill AFB, and Tampa International Airport. Everyday necessities, shopping, and dining options are all within a 3-mile radius, with more amenities on the way. A rare added value is the assumable loan at a fixed interest rate, allowing buyers to take advantage of lower monthly payments, an opportunity that is hard to come by. This property truly checks every box: upgrades, space, convenience, security, and an incredible financial advantage. Move-in-ready homes like this, with so much to offer, are few and far between.
Source: STELLAR #TB8410919
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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.