928 Cambridge Dr Winter Haven, FL 33881
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About this home
Beautiful 4BD/2BA Home in Lucerne Park Reserve – Built in 2022! Welcome to this move-in ready 4-bedroom, 2-bath home offering 1,849 sq. ft. of living space and a 2-car garage. Located in desirable Lucerne Park Reserve, this 2022-built home features a paver driveway, mature landscaping, and great curb appeal. Inside, a long entryway with a decorative alcove sets the tone for a warm welcome. Two bedrooms and a full bath sit to the left, while the laundry room and guest bedroom are to the right. The spacious kitchen features a large island with bar seating, white shaker cabinets, subway tile backsplash, granite countertops, stainless steel appliances, and a walk-in pantry. The open living and dining area includes a custom ceiling fan and chandelier. The owner’s suite boasts a large walk-in closet, double granite sinks, and a walk-in shower. Enjoy year-round living in the fully enclosed lanai with paver floors and lake views. The vinyl-fenced yard offers privacy with two access gates. Close to the Chain of Lakes, shopping, dining, medical facilities, Legoland, and just a short drive to Disney and Cocoa Beach via I-4. Call today for your private showing!
Source: STELLAR #L4956372
Loan details
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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.