6353 Ashville Dr Zephyrhills, FL 33542
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About this home
3.75% ASSUMABLE MORTGAGE! Welcome to Silver Oaks—a picturesque community surrounded by mature oak trees, gentle rolling greens, and peaceful streets just minutes from downtown Zephyrhills. This charming 3-bedroom, 2-bath home with a 1-car garage is located in the “Village” section of Silver Oaks, where residents enjoy a low HOA, no CDD fees, and a friendly neighborhood atmosphere. Inside, you’ll find a well-maintained home with inviting curb appeal and lush landscaping. The floor plan offers comfortable living spaces, a bright kitchen, and room to personalize and make your own. USDA eligible! Buyers may qualify for 100% financing, making this a great opportunity for first-time homeowners or anyone looking to enjoy the Zephyrhills lifestyle without breaking the budget. Just 1 mile away, you’ll love the brand-new Hercules Park, featuring a splash pad, playground, walking and biking trails, and pavilions for weekend fun. Silver Oaks also borders the Silverado Golf & Country Club, known for its scenic 18-hole championship course woven throughout 350 acres of natural Florida beauty. Conveniently located. Zephyrhills offers an easy commute to Tampa, Lakeland, and Orlando. Come see why this adorable home in Silver Oaks is the perfect blend of comfort, convenience, and community!
Source: STELLAR #TB8443007
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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.