103 13th St SE Winter Haven, FL 33880
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About this home
Short Sale. Recently preapproved, now back on the market. Last appraisal came back at $300k (attached). Lender will need to update their appraisal, but should not take long. Quick turnaround time. Offering $5000 seller concessions towards buyer closing costs. If buyer needs more seller concessions the price will need to be raised, just add that into your offer.”NO HOA! Well-maintained and move-in ready, this three bedroom, two bathroom house has everything you need to call it "home". The roof was replaced in 2022 and the wiring was replaced within the last two years. Wood-look ceramic tile flows throughout the entire home, making it easy to clean and pet friendly. A real wood-burning fireplace is the focal point of the spacious living room, with a wonderful bay window that overlooks the front lawn. The galley kitchen has real wood cabinets and tile counter tops, and comes with a new stainless steel refrigerator and glass top stove. A new sink, faucet and disposal were just installed. All three bedrooms have full-width closets, and the owners suite has an ensuite bathroom with tiled shower stall. One of the bedrooms was used as a gaming room, with one wall being painted with Chroma Key green video paint, specifically designed for maximum gaming enjoyment. The inside laundry closet comes equipped with a new LG ThinQ Single Unit Front Load WashTower, that lets you start and stop wash cycles remotely and get notifications when your laundry is done. The HVAC system was installed within the last two years, each room having it's own high efficiency mini-split unit for personalized temperature control. At the back of the home you'll find a two-car carport and a large storage room for all your yard tools, plus a large fenced back yard. Call now for your private tour!
Source: STELLAR #K4902264
Neighborhood
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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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