5103 Jones Rd Saint Cloud, FL 34771
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About this home
Short Sale. Welcome to this beautifully updated 3-bedroom, 2.5-bathroom home designed for comfort, functionality, and relaxed Florida living. From its fresh curb appeal to the thoughtfully designed interior, this home offers a move-in ready experience that suits families, seasonal residents, or investors alike. As you enter, you’re greeted by a bright and open layout featuring modern finishes, neutral tones, and upgraded flooring throughout. The expansive living area flows effortlessly into the dining room and kitchen, creating the perfect space for both daily living and entertaining. The kitchen is a true centerpiece—offering sleek cabinetry, granite countertops, stainless steel appliances, a walk-in pantry, and a large island for prep work, casual dining, or gathering with friends and family. Upstairs, you’ll find a generous primary suite with a spacious walk-in closet and a private bath complete with dual vanities and a soaking tub. Three additional bedrooms provide plenty of space for guests, home offices, or growing households. A versatile loft area adds flexibility for a second living space, media room, or play zone. Downstairs, a flex room provides the option for a possible fourth bedroom, perfect for guests, multigenerational living, or a private office. Step outside to your oversized backyard oasis, featuring a covered patio and privacy fencing—ideal for outdoor dining, BBQs, or simply relaxing after a long day. Whether you're entertaining or enjoying quiet time, the space offers both comfort and potential. Located in a quiet community with easy access to major highways, schools, shopping, and attractions, this home combines suburban tranquility with everyday convenience. Don’t miss your chance to own this beautifully maintained and upgraded home.
Source: STELLAR #S5128726
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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.