One or more photo(s) has been virtually staged. Harrison Ranch is a well-established master-planned, friendly community here in Parrish, known for its resort-style amenities, outdoor spaces, and active neighborhood lifestyle. Nestled in the heart of Parrish, Florida, this neighborhood is situated in an ideal location – minutes from several nearby shops and restaurants, 30 minutes from downtown St. Petersburgh, and 25 minutes from University Town Center. It offers comfort and convenience while still maintaining a peaceful atmosphere with a quiet boulevard and accessible walking trails. Whether you enjoy staying active or simply relaxing close to home, there’s something here for everyone. Just a half mile from this home is the Harrison Ranch Clubhouse and amenities center which offers: • A spacious 6,500 sq. ft. clubhouse featuring a fitness center, game room, media room, meeting areas, and space for community gatherings • A heated junior Olympic-size pool with lap lanes • A 24-hour fitness center and group classes • Tennis, pickleball, and basketball courts • Playgrounds and open picnic and recreation fields • Over 5.5 miles of scenic walking and nature trails winding through lakes and preserves • Affordable HOA fees of less than $13 a month • A full-time activities director coordinating events and social gatherings year-round This updated home would be a great fit for anyone with its open inviting floor plan, durable laminate flooring, and semi-private backyard with no rear neighbors and fully enclosed fence. Enjoy peace of mind with a brand-new roof installed in December 2024, fresh exterior paint completed in 2023, and a new air conditioner installed in 2019. With an open floor plan and four bedrooms, this home offers the space, comfort, and updates today’s buyers are looking for. Come experience all that Harrison Ranch will provide — you may just feel right at home.
5912 100th Ave E, Parrish, FL 34219
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.
