9805 Alysheba Ct Sun City Center, FL 33573
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About this home
Beautiful and spacious 5-bedroom, 3-bath home in the highly desirable Belmont community of Ruskin. Perfect for families, this home offers a first-floor master suite plus an additional bedroom and bath ideal for in-laws or guests. The open great room combines the family and dining areas with sliders leading to a serene pond view and large backyard. The elegant kitchen features granite countertops, stainless steel appliances, and a walk-in pantry. A versatile flex/bonus room on the first floor can serve as a formal dining room or office. Upstairs, enjoy a massive enclosed loft (20x24), perfect as a media or game room, along with four generously sized bedrooms ranging from 14x12 to 15x11—much larger than most new builds today. Ceramic tile flooring extends throughout the main living areas, with carpet in the loft and bedrooms. Additional highlights include a tankless hot water heater and energy-efficient features. Belmont residents enjoy resort-style amenities including a pool, clubhouse, tennis and basketball courts, playgrounds, and walking trails. Conveniently located near shopping, dining, and major highways for easy commuting.
Source: STELLAR #TB8420363
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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.
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