1823 Moon Cactus Ct Ruskin, FL 33570
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About this home
Get ready to fall in love with this spacious and stylish 4-bedroom, 2.5-bath home in the heart of Ruskin’s Spencer Creek community! Built in 2021, this two-story beauty has 2,584 square feet of living space and the perfect setup for everyday life and weekend fun. Downstairs, you’ll find an open, airy layout with a huge living room, dining area, and a dream kitchen featuring a big center island, tons of counter space, and a pantry ready for all your snacks. Need a quiet spot to work, play, or just escape? There's a bonus flex room up front that would make a great office, game room, or cozy lounge. Upstairs, the spacious primary suite gives you all the room you need to relax, complete with a big walk-in closet and a private bath with double sinks. Three more bedrooms, and a loft perfect for movie nights or a play area offer endless possibilities. Laundry is upstairs too—no lugging baskets up and down the stairs! One of the best parts? The backyard backs up to peaceful woods, giving you a private, quiet space to sip your morning coffee, grill out with friends, or just enjoy some fresh air without a neighbor right behind you. A two-car garage, lots of space, and super low HOA fees - it's the complete package! Ruskin is the perfect mix of laid-back and convenient - close to waterfront parks, boat launches, shopping, restaurants, and major highways to Tampa, St. Pete, and Sarasota. It’s got a small-town vibe but keeps you close to everything you need. If you’re dreaming of more space, newer construction, and a backyard that feels like your own private retreat, this home is calling your name. Come see it today!
Source: STELLAR #TB8379520
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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.