12307 Fieldstone Ln Hudson, FL 34667
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About this home
Price Decrease, Seller Motivated! Experience peaceful pond-side living with stunning sunset views in this charming ranch-style home, located in a vibrant golf course community featuring tennis courts, a pool, clubhouse, and year-round activities. This spacious, light-filled home offers a split-bedroom floor plan, tiled floors throughout, and breathtaking pond views from the master bedroom, kitchen, guest room, and bonus room—all with sliding doors leading to a screened lanai, perfect for enjoying Florida’s natural beauty. The versatile bonus room can serve as a third bedroom, home office, or flex space. Key updates include a new AC/HVAC system (2016) with upgraded duct work, newer hot water heater, updated electrical panel, and a 2008 roof with 30-year shingles. The insulated 2.5-car garage adds valuable storage, and the elevated lot provides natural drainage and beautiful views of local wildlife. With great bones, a tranquil setting, and the unique touch of fresh pineapples growing in the front garden, this home is ready for your personal vision. Conveniently located near all essential amenities—schedule your private showing today! With an accepted contract, seller will contribute $5,000 toward buyer at closing.
Source: STELLAR #W7867326
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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.