12407 Creek Edge Dr Riverview, FL 33579
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About this home
Price improvement! SELLERS OFFERING $5,000 TOWARD BUYER’S CLOSING COSTS OR INTEREST RATE BUY-DOWN! Stunning and spacious 4BR/3BA home with office/den and 3-car garage, offering over 2,700 sq ft of beautifully updated living space on a generous 0.58-acre lot in the GATED, gas community of Creekside, located in Riverview near Lithia. Move-in ready with thoughtful upgrades throughout, including a new roof (2023), remodeled kitchen (2023) with upgraded countertops, sink, lighting, and gas stove, and three remodeled bathrooms (2023). Additional improvements include luxury vinyl flooring throughout (2025), whole-house generator wiring (2023), whole-house surge protector (2025), well system surge protection (2025), sediment filter and brine tank softener (2025), new AC condenser (2025), UV cleaner for AC (2025), professional ductwork cleaning (2025), and termite plugs with transferable warranty (2025). The lanai features updated flooring (2022) and offers a spacious covered, screened area for relaxing or entertaining. The garage flooring was also updated in 2022. The split floorplan is ideal for everyday living and entertaining, with a spacious primary suite featuring a private sitting area, dual closets, garden tub, and walk-in shower. Two bedrooms share a Jack-and-Jill bath, while a third full bath also serves as a pool bath. The oversized backyard offers plenty of space to build your dream pool. Zoned for top-rated Barrington Middle and Newsome High School, with low HOA fees and no CDD. If you're looking for space, upgrades, and a prime location, this home checks all the boxes.
Source: STELLAR #TB8408520
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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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