12615 Eastpointe Dr Dade City, FL 33525
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About this home
**Assumable Mortgage with a 1.9% Interest Rate** This 2019-built pool home is located in the gated Eastpointe section of Lake Jovita Golf and Country Club and offers 3 bedrooms, 2 baths, and 1,722 square feet of living space. Arrive to lush mature landscaping, sidewalk lined streets, stunning stone accents, and a covered entryway. The open layout connects the living room, dining area, and kitchen for a practical and comfortable flow. Easy to maintain ceramic tile flooring runs throughout the main living areas and luxury vinyl plank flooring is in all bedrooms for maximum longevity and style. The kitchen is outfitted with stainless steel appliances, a center island, granite countertops, and a pantry. Two bedrooms and a full bath sit at the front of the home, one with French doors that open to the hallway, making it a great option for a home office or flex space. The primary suite is positioned at the back of the home and features a walk-in closet with direct access to the laundry room, and an ensuite bathroom with dual sinks, a water closet, and a walk-in shower with a bench! Head through the dining room’s sliding glass doors to the screened in lanai that offers a spacious covered seating area and a sparkling swimming pool all with a tranquil wooded background. Enjoy privacy and relaxation in the Florida sunshine. Additional features include an irrigation system and a two-car garage. The HOA fee covers lawn maintenance and access to Lake Jovita’s playground, park, walking trails, and the basketball and pickleball courts. Optional membership packages are available at the Lake Jovita Country Club to include the use of 2 18 hole golf courses, a Jr. Olympic size swimming pool, tennis courts, restaurant, clubhouse, fitness center, and more! Give us a call today to learn more about this vibrant community and home!
Source: STELLAR #TB8409687
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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.