6191 Hemlock Rd Ocala, FL 34472
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About this home
IMMEDIATE OCCUPANCY! Spacious 3BR/den/2BA/2GA home features split bedroom floor plan, cathedral ceilings, screened porch, privacy fenced .23-acre lot and open space next door.. NEW ROOF/2021 & NEW HVAC & H2O HEATER/2020.. Storm door entry opens to the foyer with office/den/playroom to your left & formal dining room to your right, open living room with triple sliders letting natural light flood in, open kitchen w/SS appliances, new vinyl flooring, lots of counter space & eat-at bar, primary suite w/huge walk-in closet w/built-ins & updated bath w/dual sink vanity & tiled tub/shower combo, 2 spare BRs with double closets & ceiling fans, guest BA w/shower & backyard access door, inside laundry room & double garage w/auto opener & keypad entry.. Back screened porch overlooks the private backyard with mature shade tree and patio for grilling.. Extras include LED lights, water softener system, several hall closets for storage, all BR closets have built-ins, fencing as 3 gated entry points and located next to retention area for limited neighbors.. Silver Spring Shores allows you to live close to amenities like Greenway walking/biking trails, public golf course, several schools, Silver Springs State Park is a 5-mile trip & downtown Ocala is a 9-mile trip... WELCOME HOME!
Source: STELLAR #OM712672
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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.