804 Channing St Winter Haven, FL 33880
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About this home
One or more photo(s) has been virtually staged. Nestled amid lush greenery and meticulous landscaping, this 4-bedroom, 3-bathroom dream home offers numerous upgrades and over 2400 square feet of living space. Featuring a spacious two-car garage and thoughtful details throughout, this residence is designed for both everyday living and entertaining. Step inside to discover an inviting, open-concept layout featuring a blend of cozy carpet and easy-to-maintain tile flooring. At the front of the home, a formal living room and dining room sit across from one another, ideal for hosting holiday gatherings or elegant dinners. Just ahead, the oversized family room flows seamlessly into the chef’s kitchen and a casual dining nook, creating the perfect space for morning coffee or relaxed conversations. The kitchen is complete with ample wooden cabinetry, abundant counter space, stunning stainless steel appliances, a breakfast bar, and lovely views of the expansive backyard. The primary suite is a true retreat featuring tray ceilings, a generous walk-in closet, and a luxurious en-suite bathroom with dual sinks, a garden tub, and a walk-in shower. Three additional bedrooms and two full bathrooms provide plenty of flexibility, perfect for overnight guests, a home office, or hobby space. Step outside the French doors to your covered patio, where you’ll find a secluded oasis for outdoor living. Whether you envision summer cookouts, gardening, adding a pool or hot tub, or simply relaxing in a hammock while enjoying the fresh air, or even giving your furry companions space to run and play, the possibilities are endless here. Centrally located in a desirable gated community with low annual HOA fees, this home is just minutes from top-rated schools, major commuter routes, shopping, dining, and entertainment. Don’t miss the opportunity to make this incredible property your own. Schedule your private showing today!
Source: STELLAR #S5134035
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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.