19494 Phillips Rd Brooksville, FL 34604
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About this home
Discover Florida at its best, where peaceful country living meets modern luxury. This beautiful, fully remodeled 4-bed, 2-bath home sits on an expansive lot (almost 10 acres!) in charming Brooksville. Forget the "Honey-do" list - NEW AC, NEW Paint, NEW luxury vinyl flooring, NEW Bathrooms and a NEW Kitchen with NEW solid wood cabinets, NEW granite counters & NEW Stainless Appliances - every detail of this home has been tastefully updated from top to bottom to deliver style, comfort, and turn-key convenience. With a wood-burning fireplace, walk-in closets in every bedroom, a split floorplan for added privacy, and a 900 sqft barn, this property checks all the boxes. Also, have peace of mind being high & dry in flood zone X. Step inside and immediately feel at home in the bright, open living space. The spacious master suite is your personal retreat, complete with a massive walk-in closet, a luxurious bathroom featuring a huge granite-topped vanity with dual sinks, a stunning new tile walk-in shower, and a separate garden tub that’s perfect for unwinding after a long day. The second bathroom has also been completely updated with a new tub and beautiful tile-surround shower, ensuring both style and function for guests or family. Outside, enjoy the freedom and privacy of nearly 10 acres - ideal for outdoor enthusiasts, hobby farmers, or anyone craving plenty of space to roam, and plenty of room for your boat or RV. Your kids will love the zipline located on the property as well. Don't miss this rare opportunity to own a home where all the work has been done for you – simply move in and start living your best life! Call today for a private showing. *Red property border is approximate.
Source: STELLAR #TB8397096
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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.