2312 Country Loop S Lakeland, FL 33811
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About this home
GET OVER HERE! This established community in S Lakeland is hidden in plain view - NO HOA and NO CDD! This spacious south Lakeland home is located just south of the Polk Parkway, making commutes to Tampa or Winter Haven a breeze. This 3/2/2 ranch style home is situated on a generous sized lot, noticeable upon arrival to the residence. SMILE! Note the fresh gutters when you arrive! You're going to love the peace of mind of the smart home security camera (stays with the home!) Once inside, you will note tile flooring throughout. The kitchen has stainless appliances, quartz countertops, breakfast bar, and a window with a view! Generous sized living room great for gathering with friends & family. Bedrooms are well proportioned. BOTH bathrooms ADA compliant, with an additional door in the primary that permits entry to bath if DME is required. Separation is provided by an additional door to bedrooms creating additional privacy if multi-gen living is desired.. This oversized garage is perfect for tinkering with tools WITHOUT the Florida heat! The air conditioned space keeps you cool, and laundry is in the garage, so that's a cool chore, too! A large climate controlled shed present for your storage needs or quiet get aways for outdoor chores, minus the heat! Plenty of outdoor space will provide enough space for gardening, exercising the dog, or simply enjoying fresh air. Added features are double paned windows, a newer water heater (2024), and HVAC & all ductwork replaced 2017. Recent roof inspection revealed intact and secure roof. Septic was replaced 2013 and drain field 2017. Outdoor space is private, with a tranquil, fenced yard. Mature landscaping. Schedule a tour today!
Source: STELLAR #L4955219
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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.