5409 Antigua Dr Zephyrhills, FL 33541
Your savings
About this home
New Price! Looking for a winter getaway or a forever home? Discover this well-maintained double-wide in the desirable Oaks Royal 55+ Community, where you OWN the land and enjoy a low HOA fee of just $455/year. This home is nestled in a pet-friendly Florida neighborhood, perfect for relaxation and fun. Step inside through the spacious family room, an inviting extension of the living room, featuring updated laminate flooring and a ceiling fan. The living room boasts newer laminate flooring as well, seamlessly connected to the dining area and kitchen. Enjoy casual meals at the breakfast bar or host gatherings with ease, thanks to the built-in China cabinet in the dining area. The primary bedroom offers cozy carpeting, a ceiling fan, and a generous walk-in closet. The en suite bathroom features a step-in shower and vinyl flooring. The guest bedroom has laminate flooring and a double closet, with the second bathroom conveniently located nearby, complete with a tub/shower combo. For added convenience, the laundry area is located in the attached building under the carport and includes a washer, dryer, utility sink, and shelving for storage. Behind the laundry space, you'll find a workshop and golf cart garage with double doors for easy access—golf cart included! Relax and unwind on the covered lanai, perfect for enjoying the afternoon with friends or simply savoring the Florida breeze. This furnished home includes a central AC/heating system (new in 2022), metal roof, and numerous updates. VA, FHA, and conventional financing options are available. Schedule your appointment today and experience the vibrant lifestyle that Oaks Royal has to provide!
Source: STELLAR #TB8390890
Loan details
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
If you find a better price on any home, we’ll match it.
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.