616 Chatham Walk Dr Ruskin, FL 33570
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About this home
Motivated seller—don’t miss this incredible opportunity to own or lease-to-own a beautifully maintained home in a quiet, newer community—offered at an exceptional value. This move-in-ready 4-bedroom, 2-bath residence offers the flexibility of a lease-to-own (rent-to-own) opportunity, ideal for buyers who want to enjoy the comfort of home now while planning for future ownership. Built in 2017, the home features an open floor plan, split bedrooms, and a spacious kitchen with a breakfast bar that connects seamlessly to the family room. Sliding glass doors lead to a covered, screened-in lanai—perfect for relaxing as you take in peaceful views of the pond and surrounding conservation. The property includes a solar power system under a transferable lease, offering significant utility savings and energy efficiency. Additional highlights include hurricane shutters, tinted windows for added comfort, a Dish satellite, and a whole-house water softener system. All appliances are included, including cooktop, dishwasher, and washer/dryer—central air and heat. The community features a sparkling pool, playground, and dog park, all in a prime location with convenient access to Tampa, St. Pete, Sarasota, and some of Florida’s most beautiful beaches. Schedule your private showing today and discover why this home is the perfect blend of flexibility, comfort, and smart living.
Source: STELLAR #TB8414997
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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.