Welcome to 1609 Bonita Bluff Ct., Ruskin, FL 33570, where comfort, privacy, and convenience come together beautifully. This 4 bedroom, 2.5 bathroom home offers 2,324 square feet of thoughtfully designed living space with meaningful updates throughout. Step inside to a striking two-story foyer that opens into a bright, open-concept layout where the kitchen, great room, dining area, and breakfast nook flow seamlessly together, perfect for everyday living and entertaining. The main living areas feature comfortable carpeting, while luxury vinyl plank flooring installed in 2022 enhances the kitchen and downstairs bath with both durability and style. Modern lighting, ceiling fans, and an elegant chandelier in the breakfast nook add warmth and character. The kitchen sits at the heart of the home, complete with granite countertops and upgraded appliances, refrigerator, stove, dishwasher, and microwave-all replaced in 2022. A beautifully updated half bath is conveniently located on the first floor for guests. Upstairs, the spacious primary suite offers a private retreat with a walk-in closet and en-suite bath featuring dual sinks, garden tub, step-in shower with added enclosure (2022), and private water closet. Ceramic tile flooring finishes the upstairs bathrooms. Three additional bedrooms are generously sized, each with its own walk-in closet and ceiling fan. The laundry room includes shelving and cabinetry for added organization. Enjoy outdoor living on the screened-in lanai overlooking a fully fenced backyard with no rear neighbors and mature landscaping for added privacy. Vinyl hurricane shutters provide peace of mind, and a Ring doorbell system adds modern security and convenience. The garage is equally well-equipped with a painted floor for a clean, finished look and sturdy metal shelving for added storage and organization. Recent improvements include a new HVAC system installed in 2024 and fresh exterior paint on the front porch and garage door. Located in a gated community near the community pool, residents enjoy a heated pool, basketball court, playground, and scenic ponds throughout the neighborhood. With low HOA fees and convenient access to I-75, you're just a short drive to Downtown Tampa, Tampa International Airport, the Port of Tampa, and local favorites like EG Simmons Park, the Apollo Beach Nature Preserve, and the Manatee Viewing Center. This home offers the space, updates, and location today's buyers are look are looking for- all in one! Schedule your private showing today and discover how perfectly this home fits your next chapter.
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.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
