188 Black Skimmer Ln Winter Haven, FL 33880
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About this home
Welcome to your beautiful home in the peaceful Lake Deer community of Winter Haven! Built in 2020, this energy-efficient 3-bedroom, 2-bath home with a 2-car garage sits on a spacious corner lot and offers the perfect blend of modern upgrades and country tranquility. Step inside and you’ll immediately notice the open-concept layout and attention to detail throughout. The kitchen is a chef’s dream featuring 52” upper cabinets with crown molding, soft-close doors, upgraded granite countertops, stainless steel appliances, and a large walk-in pantry. The home features luxury vinyl plank flooring throughout with carpet only in the primary suite for comfort. The primary bedroom includes a huge walk-in closet and a spa-like en suite bath with double sinks and upgraded finishes. A custom laundry room off the garage adds convenience, while the garage itself offers pull-down attic stairs for extra storage. Step outside to your fully fenced backyard—ideal for gatherings and relaxation—with a large yard and an above-ground pool to cool off on warm Florida days. The home also features solar panels for lower utility costs and long-term efficiency. Located in a quiet, friendly community surrounded by rural charm yet close to major highways, shopping, and dining, this home truly offers the best of both worlds. Come see why life at Lake Deer feels like home!
Source: STELLAR #TB8437733
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Close stress-free in 45 days, handled start to finish by Roam.
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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.