8729 Prairie Creek Dr New Port Richey, FL 34655
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About this home
Welcome to this beautiful four-bedroom, two-bathroom home in the desirable community of Mitchell Ranch South of Trinity. Built in 2020, this move-in-ready home offers a modern open floor plan and serene pond views with no rear neighbors. From the moment you pull up to the house and walk through the front door, you will notice the warm touch of detail put into this home. The property features newly installed seamless gutters and stunning curb appeal that sets the tone from the moment you arrive. Step inside to a welcoming foyer complete with a built-in coat rack and storage bench. The spacious living and dining room combination seamlessly flows into the open kitchen, which features a large island ideal for meal preparation and casual dining. The kitchen also offers granite countertops, stainless steel appliances, a walk-in pantry, and plenty of cabinet space. Sliding glass doors lead to the expansive backyard where you can enjoy peaceful water views and endless potential to add a pool, fence, or outdoor kitchen. Inside, luxury tile flooring runs throughout the main living areas, while the bedrooms feature brand-new carpet for added comfort. The primary suite boasts tranquil pond views, a large walk-in closet, and a private ensuite bath with dual sinks, a glass-enclosed shower with a built-in bench, and a private water closet. Additional bedrooms are nicely sized and share a full bathroom. Located in a friendly, well-maintained neighborhood within an “A” rated school zone, this home is also conveniently close to the YMCA, shopping plazas, and a variety of dining options. Plus, it remains under a transferable 10-year home warranty for added peace of mind. This home combines modern living, comfort, and a beautiful setting. Schedule your private showing today!
Source: STELLAR #TB8437829
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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.