1982 W Gardenia Dr Citrus Springs, FL 34434
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About this home
One or more photo(s) has been virtually staged. Charming 2-bedroom, 2-bath POOL home with a welcoming front walkway leading from the street to the front door! NO HOA, NO CDD, NO FLOOD ZONE! Inside, you'll find a spacious entry with a double-door coat closet. The open-concept living and dining areas provide generous space for entertaining, with the living room featuring sliding glass doors that open directly to the screened-in pool area. The dining room includes a large window with pool views, filling the space with natural light. The kitchen boasts GRANITE countertops, white shaker cabinets, a farmhouse sink, and a movable island for added flexibility. Appliances convey, including stove, microwave, refrigerator, washer, and dryer. A dedicated laundry room is located off the kitchen and offers ample closet space and additional storage. To the left of the living area are two bedrooms and a full bathroom with a tub/shower combination. The primary suite features an EN-SUITE bathroom with a walk-in shower, two closets, and a built-in storage unit. The second bedroom conveys with a pull-out Murphy bed. The home is finished with luxury vinyl plank flooring throughout, crown molding, and tile in the bathrooms. Step outside to enjoy the screened-in pool and large covered lanai—ideal for outdoor living year-round. A backyard storage shed provides extra space for tools, lawn equipment, or seasonal items in addition to the storage room under the carport. The fully fenced backyard features wood fencing on two sides and vinyl fencing at the rear. Additional improvements are DOUBLE-PANE INSULATED WINDOWS, ROOF 2021, WATER HEATER 2025. Don’t miss your chance to own this well-maintained, move-in ready home with excellent indoor/outdoor flow. BE SURE TO WATCH THE WALK THROUGH VIDEO TOUR, CLICK ON VIRTUAL TOUR!
Source: STELLAR #TB8419387
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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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