236 Pink Ibis Bnd Saint Cloud, FL 34772
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About this home
**5K SELLERS CONCESSION TOWARDS CLOSING COST OR RATE BUY DOWN**Welcome to this stunning 3-bedroom, 2-bathroom home featuring a thoughtful split floorplan designed for modern living. As you enter, two generously sized bedrooms with luxury vinyl plank flooring greet you at the front, offering privacy and comfort. The heart of the home flows through a central hallway, where you'll find a convenient drop space, laundry room, and access to the garage, complete with added storage racks for all your organizational needs.At the rear, an inviting open-concept layout seamlessly connects the kitchen, living, and dining areas, perfect for entertaining or cozy family nights. The kitchen boasts sleek grey cabinets with elegant gold handles, a spacious island illuminated by two stylish pendant lights, and ample counter space for culinary creations. Step through the dining area to the newly screened back porch, which opens to a private, newly fenced backyard featuring a beautiful paver setup and a charming pergola—ideal for outdoor relaxation.The spacious master suite, also adorned with luxury vinyl plank flooring, is a true retreat. A chic barn door leads to a luxurious en-suite bathroom with a dual vanity, private water closet, walk-in shower, and an expansive walk-in closet. Outside, the home’s curb appeal is elevated with added stone accents and practical soffit outlets, enhancing both style and functionality. This home perfectly blends comfort, sophistication, and practicality—ready to welcome you home!
Source: STELLAR #O6300702
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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.