5409 Conch Shell Pl Apollo Beach, FL 33572
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About this home
One or more photo(s) has been virtually staged. Conveniently one story Home ~ 4-bedroom, 2-bathroom home with a 3-car garage, offering the perfect blend of comfort, style, and functionality. The home also features a new A/C (2021) and water heater (2024) for peace of mind. Located on a quiet cul-de-sac street, this home provides extra privacy and the best part No Flood Insurance Required. Step inside to discover high ceilings and an open-concept design perfect for modern living. The spacious master suite is a true retreat, featuring dual walk-in closets, double sinks, and a luxurious en-suite bathroom with a soaking tub, separate shower, and dual vanities. The well-designed floor plan ensures ample space for both relaxation and entertainment. Enjoy Florida living in your fully fenced backyard with a beautiful and private conservation view, ideal for gatherings or quiet evenings. This vibrant community offers resort-style amenities, including a sparkling pool and spa, fitness center, basketball courts, sandy volleyball court, playground, fishing pier, and even community RV/Boat storage! Conveniently located less than 10 minutes from Publix, restaurants, and many more amenities, this home is in an unbeatable location. Survey available. Don't miss out on this incredible opportunity—schedule your showing today!
Source: STELLAR #TB8365575
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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.