3432 Briar Cliff Dr Holiday, FL 34691
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About this home
Motivated Seller!!! Welcome to a charming single-family residence where comfort meets functionality in every corner. Step inside and feel the inviting flow of a thoughtfully designed floor plan, featuring a spacious living room bathed in natural light, perfect for both relaxed evenings and lively gatherings. The heart of the home is the well-appointed kitchen, offering ample space for cooking and conversation, complete with a dishwasher, microwave, range, and refrigerator — everything you need for effortless daily living. Two generously sized bedrooms offer peaceful retreats, each with built-in closets and just the right amount of privacy. The primary bedroom provides a comfortable 12x15 layout, while the second bedroom offers a versatile 12x12 space, ideal for guests or a home office. A full bath completes the interior, designed with simplicity and ease in mind. The home’s finishes, from laminate flooring underfoot to French doors leading outside, blend traditional style with low-maintenance practicality. Step onto the screened rear porch and enjoy Florida living at its finest — a perfect spot for morning coffee or unwinding at sunset. The backyard is fully fenced with chain link, vinyl, and wood, providing both privacy and versatility for pets, play, or gardening. Situated on a manageable 0.12-acre lot with a total living space of 1,024 square feet, this home is designed for those who value comfort without the upkeep of a sprawling property. Whether you’re looking for your first home, a downsizing opportunity, or a low-maintenance retreat, this residence is ready to welcome you.
Source: STELLAR #TB8416810
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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.