395 S Poinsettia Ter Crystal River, FL 34429
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About this home
Charming Home with Spacious Yard in a Perfect Location Welcome to the perfect place to call home! This 3-bedroom, 2-bathroom gem sits on a sprawling 0.5-acre lot, offering the perfect blend of space, comfort, and character. With NO HOA or CDD fees, you’ll enjoy the freedom to truly make this home your own! Step inside and feel the charm. The cozy living room features a gorgeous brick, wood-burning fireplace, creating the perfect spot to gather with loved ones. The large galley-style kitchen is a great space, with tons of countertop and cabinet space, plus an island with eat-in seating for casual mornings or entertaining guests. This home boasts durable tile and laminate flooring throughout, offering both style and low-maintenance convenience. French doors lead you to the backyard, seamlessly blending indoor and outdoor living. The outdoor space is a true retreat. The fenced yard is perfect for pets, kids, or weekend BBQs, and with an uncovered back porch you can spend your time grilling or soaking up Florida’s sunshine. Need parking or storage? A 1-car garage and additional carport have you covered. Location? It doesn’t get better. You’re just minutes from restaurants, golf courses, and the water! The natural beauty of Homosassa—perfect for kayaking and boating adventures is just a short drive away. The nearby Suncoast Parkway makes commutes a breeze, whether you’re heading to work or exploring the area. This home is ready to welcome you. Don’t miss out—schedule your showing today and make it yours!
Source: STELLAR #W7876224
Loan details
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Close stress-free in 45 days, handled start to finish by Roam.
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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.