1009 HACIENDA CIR, Kissimmee, FL 34741
This stunning single-family residence offers a perfect blend of modern comfort and timeless charm, ideal for those seeking both style and functionality. Boasting a nearly new roof, just 2 years old, this home is designed for long-lasting durability and peace of mind. With four spacious bedrooms and 2.5 well-appointed bathrooms, this two-story home provides ample space for growing families or those who love to entertain. Upon entering, you are greeted by an inviting living room and dining room combo, perfect for hosting dinners or enjoying cozy evenings with loved ones. The thoughtful layout continues into the heart of the home, where the kitchen seamlessly flows into the family room, creating a warm and open space ideal for daily living and gatherings. The kitchen is equipped with modern appliances, plenty of counter space, and ample storage, making meal prep a breeze and ensuring the chef of the family has everything at their fingertips. The family room, with its welcoming ambiance, is perfect for relaxing after a long day, watching movies, or enjoying game nights. The primary bedroom serves as a tranquil retreat, featuring a walk-in closet that offers plenty of storage and space for your wardrobe. The remaining three bedrooms are equally spacious, ensuring that family members or guests have their own comfortable sanctuaries. Outside, the property offers a lovely backyard space where you can enjoy outdoor activities, garden, or simply relax in the fresh air. The attached garage provides convenience and additional storage space, rounding out the practical aspects of this home. Whether you're a first-time homebuyer, looking for more space, or seeking a property with a thoughtful design, this residence is sure to meet all your needs. Its combination of style, comfort, and practicality make it a standout choice in any market, offering a beautiful place to create lasting memories.
You may be able to put down less than the total down payment amount of $200,597 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #o6236920
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.