1212 W Redding St Hernando, FL 34442
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About this home
Welcome to your private oasis on a full acre in Citrus Hills! This beautifully updated and immaculately landscaped 2-bedroom, 2-bath pool home with bonus room that could be a 3rd bedroom - offers 1,972 sq ft of living space and over 3,000 sq ft under roof, combining thoughtful design, upgraded finishes, and peaceful outdoor living. Inside, enjoy a completely remodeled kitchen (2017) with modern finishes, an open living area accented by tongue-and-groove MDS detailing, and an updated owner’s suite with a luxurious bathroom and a walk-in closet most only dream of. Key updates include: roof and HVAC (2017), windows and sliders (2018), electrical panel (2018), and well pump (2022). The backyard is a true showstopper—professionally landscaped and meticulously maintained with vibrant greenery, mature fruit trees, and a fully fenced yard for privacy and security. Relax in the heated, screened-in pool, unwind in the one-person hot tub, or entertain around the custom paver firepit and spacious covered lanai. In addition to the oversized 2-car garage, you'll find a detached workshop/warehouse with a roll-up door—perfect for a golf cart, lawn equipment, or extra storage. An elongated driveway provides ample parking for guests or additional vehicles. Located in the sought-after Citrus Hills HOA, residents have the option to enjoy a wide array of resort-style amenities including golf, restaurants, fitness centers, tennis, and more (membership optional). This home offers the rare blend of privacy, functionality, and resort-style living—ready for you to move in and enjoy. MOTIVATED SELLER
Source: STELLAR #W7875608
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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.