1815 6th St SE Winter Haven, FL 33880
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About this home
GREAT LOCATION!! Enjoy the convenience of this ideally situated home with NO HOA's. Just minutes from the Lake Summitt and Lake Roy boat launches, with access to the Chain of Lakes, experience lake life in mere minutes. This spacious and updated 3-bedroom, 2-bathroom ranch features Luxury Vinyl Plank throughout the home, no carpet here! Light and bright with neutral touches throughout, the kitchen features beautiful cabinetry, solid surface countertops, quality appliances, and is open to the living and dining areas, making it perfect for entertaining. Both bathrooms have been tastefully updated with solid countertops, modern light fixtures and hardware. With two closets off the hallway, storage in the garage laundry room, and a 15x12 shed in the backyard, storage is not an issue. The new roof and hot water heater both replaced this year, bring peace of mind, while the fenced backyard and roomy one-car garage are ready for all the toys! Downtown Winter Haven is just minutes away along with all of the area boat launches. Publix is just around the corner, Legoland is a short drive away, and Florida's stunning beaches and thrilling theme parks are also close by. Schedule your private showing today!
Source: STELLAR #P4935934
Loan details
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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.