3074 Timber Hawk Cir Ocoee, FL 34761
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About this home
**This house comes with a REDUCED RATE through the seller's preferred lender. This is a lender-paid rate buydown that reduces the buyer's interest rate and monthly payment.** Tucked within a quiet and well maintained Ocoee community, 3074 Timber Hawk Circle offers a perfect balance of modern design, comfort, and spacious living in one of Central Florida’s most desirable areas. Built in 2019, this two-story home showcases five bedrooms and three bathrooms across approximately 2,471 square feet of thoughtfully crafted space, ideal for families, professionals, or anyone seeking both functionality and style. Step inside and you’re immediately welcomed by a bright, open-concept floor plan that embraces warmth and flow. The living and dining areas transition effortlessly into the kitchen decked with functional appliances, generous cabinetry, and a large center island, perfect for meal prep, casual dining, or hosting guests. High ceilings and expansive windows fill the home with natural light, creating an airy, inviting atmosphere that complements the home’s clean finishes and neutral tones. Upstairs, the spacious bedrooms offer a peaceful retreat, with the primary suite featuring a walk-in closet and a private ensuite bath designed for comfort and relaxation. The additional bedrooms provide versatility, ideal for a home office, guest accommodations, or creative spaces to suit your lifestyle. Outdoors, the home sits on a generous lot of nearly one-third of an acre, offering expansive green space for recreation, gardening, or weekend barbecues. The backyard provides the perfect canvas to create your dream outdoor oasis. Conveniently located near shopping, dining, parks, and major highways, 3074 Timber Hawk Circle combines the best of suburban tranquility and city accessibility, making it more than just a house but a place you’ll love to call home.**Attention veterans: be sure to ask about the assumable VA loan currently on this beautiful home.**
Source: STELLAR #O6354286
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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.