314 San Gabriel St Winter Springs, FL 32708
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About this home
Welcome home to this charming 3 bedroom, 2 Bath home in the heart of Winter Springs, in centrally located Deer Song Community. This home features: Corner unit, open floor plan, high ceilings, NEW ROOF 2021, RE-PLUMBED 2021, NEW APPLIANCES 2021-2022, NEW AIR CONDITIONING SYSTEM 2022, NEW WATER SOFTENER SYSTEM 2022 AND NEW LUXURY VINYL FLOORING IN BEDROOMS 2022. Home has been well maintained and should present low maintenance for years to come. Inside laundry makes laundry less of a chore. Spacious Primary bedroom features en-suite bathroom, and walk in closet. Step out onto your Screen Side Porch for comfort, and enjoyment whether you are entertaining or just sitting enjoying sipping a hot or cold beverage in the Fall breeze. Fencing surrounds the side yard for your privacy. Side yard also offers an outdoor storage shed maintained by the HOA. THE LOW FEE HOA includes sparkling community swimming pool, assigned parking space with ample guest parking nearby. Great Seminole County Schools with Elementary school just one mile away. Nearby Parks include access to soccer fields, basketball courts, playground, gazebo, biking and walking trails. Easy commuting on nearby CR419, SR434, SR417 Toll Road, 17-92. Convenient to Winter Springs Village, Winter Springs Senior Center, Police and Fire Departments, grocery, restaurants, Seminole State College, UCF, attractions, and beaches.
Source: STELLAR #O6350799
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.