970 14th St NE Winter Haven, FL 33881
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About this home
One or more photo(s) has been virtually staged. **SELLER MOTIVATED** Welcome to 970 14th Street NE in Winter Haven, FL—a beautifully updated and thoughtfully designed 4-bedroom, 3-bathroom home offering 2,408 square feet of heated and cooled living space. Perfect for multi-generational living or guests, this property includes an attached in-law suite and a spacious 2-car garage (22x21). Inside, the home boasts luxury vinyl plank flooring throughout the main living areas and tile in all wet spaces, with no carpet anywhere. The living room (19x14) flows into a bright and modern kitchen (12x8) featuring granite countertops, stainless steel appliances, bar seating, and stunning updated white cabinetry. A generous dining area (17x13) is perfect for hosting family meals or entertaining guests. The primary bedroom (16x13) is a true retreat with double closets, a private ensuite bathroom, and a sliding glass door that leads directly to the expansive Florida room (30x13). Two additional guest bedrooms (12x10 and 13x11), a versatile bonus room/office (12x11), and an 18x14 in-law suite offer flexible space for family, work, or guests. Outside, the .27-acre fenced yard provides privacy and room to enjoy the outdoors. Located in a quiet, established neighborhood just steps from Lake Elbert, this home offers the convenience of being minutes from schools, shopping, and medical facilities—with the added bonus of NO HOA. Fresh paint and modern touches throughout make this home truly move-in ready, and all appliances convey. Don’t miss the opportunity to make this stunning Winter Haven property yours!
Source: STELLAR #L4952173
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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.