2646 SW 178th St Ocala, FL 34473
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About this home
This beautifully maintained 3-bedroom, 2-bathroom, plus office/den home offers 1,818 sq ft of bright,open living space on a generous half-acre lot in the desirable Marion Oaks community. The open-concept design, soaring ceilings, and split floor plan create a welcoming and functional flow throughout. In addition to the main living areas, the home features a versatile den/office/flex room with stylish barn doors ideal for remote work, creative space, or added privacy. Recent updates include a freshly painted exterior, refreshed landscaping, newly painted interior living spaces, and a fully remodeled guest bathroom featuring a luxurious deep soaking tub. The kitchen shines with a sleek new backsplash and pendant lighting over the peninsula, while the remodeled laundry room adds convenience with updated cabinetry. New luxury vinyl plank flooring in the guest rooms means the home is completely carpet-free. Additional highlights include central air, a smart thermostat, and an attached 2-car garage. With no HOA and a location just 15 minutes from I-75, this move-in-ready home blends thoughtful upgrades with everyday convenience. New roof príor to closing with full price offer and seller is offering a home warranty.
Source: STELLAR #OM707206
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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.