1742 Mira Lago Cir Ruskin, FL 33570
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About this home
NEW ROOF WILL BE INSTALLED PRIOR TO CLOSING. Are you looking for a home where you can enjoy the Florida weather year round? This is a gorgeous 4 bedroom, 3 bathroom, 3 car garage, WATERFRONT home in the GATED community of Mira Lago waiting for its new owners. This home is move in ready and has been recently UPDATED with new floors, fresh interior/exterior paint, and a LARGE, BEAUTIFUL LANAI area that has 60 feet of lakefront on a 65 acre lake. Sunrises in the morning and shade to keep you cool in the afternoon. As you enter the home, there is a large front room and a grand entryway. The living space of the home is open and inviting. This tasteful kitchen features travertine floors, corian counter tops, stainless steel appliances, a closet pantry, breakfast bar, and brand new island with gorgeous granite countertop. There is a dining nook in the kitchen with wainscot walls and updated lighting. All ceiling fans have been replaced within the past year. The laundry room is conveniently off the kitchen and has extra storage. The master bedroom and 4th bedroom both sit at the back of the house with their own private bathrooms. The master bedroom has his and her closets, double sinks, a garden tu, brand new lights, and a separate toilet room. Bedrooms 2 and 3 share a full bathroom. The large, upstairs bonus room can be used as an office, bedroom, man cave, play room, or media room and also has great LAKE VIEWS.The lanai area is HUGE and features an outdoor CUSTOM WOOD BURNING FIREPLACE and gorgeous views of the lake. Enjoy your evening meal here each day. Mira Lago is a well kept, safe, friendly community minutes to Tampa, St. Pete, Manatee County, area beaches, and many other amenities. The community has a heated pool, plenty of lakes/ ponds with fountains, basketball court and playground.
Source: STELLAR #TB8320890
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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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