13816 SW 112th Ter Dunnellon, FL 34432
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About this home
MOVE IN READY HOME with PLENTY OF SPACE and COMFORTABLE UPDATES. It does NOT have a POOL or FITNESS CENTER as ZILLOW INSISTS... but the community center does !!This home does have 2 bed, 2 bath, 2 car garage FIR model also has an additional same level Florida room with new windows, a bonus room ideal for climate controlled storage, pantry/extra fridge, or office, an enclosed lanai and a front and back patio for outdoor enjoyment. The kitchen has great cabinet and Corian counter space, new convection range and a breakfast nook with new window for a peaceful place to start your day! Primary bedroom is spacious with sliders to the Florida room, double closets, double sinks, lots of linen storage and large walk in shower. Split bedroom floorplan offers privacy for you and your guests. GARAGE AND ATTIC STORAGE. ROOF 2016, HVAC 2015, 50 GAL WATER HEATER 2021, KINETICO WATER SOFTENER, 5 WINDOWS REPLACED 2023. The fun, friendly, active, 55+, gated golf course community of Spruce Creek Preserve offers a plethora of amenities and activities, Outdoor pool, spa, pickleball, tennis, cornhole, horseshoes, bocce ball, shuffleboard, water aerobics, fitness center, yoga, exercise classes, billiards, card games, crafts, Bingo, bunco, dinners, dances, social and travel groups. All within 5 miles of golf, groceries, gas, restaurants, shopping, banking, hospitals, medical and miles of nature trails for hiking and biking. North Central location is ideal for great weather and day trips from the Gulf to the Atlantic and a huge variety of activities in between !!
Source: STELLAR #OM700754
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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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