1073 Vinsetta Cir, Winter Garden, FL 34787
4 beds · 4 baths · 3,568 sqft
Welcome to 1073 Vinsetta Cir. Nestled in a serene neighborhood just off of Avalon Rd, this delightful two-story residence boasts 4 spacious bedrooms and 3.5 bathrooms, perfect for families or those who love to entertain. As you enter, you will be greeted by the open floor plan that seamlessly connects the study, living room, and separate dining with a half bathroom. This area has the option to convert the study or living room into a bedroom suite with its own bathroom. Continuing down the hallway the home will open up into the family room and adjacent kitchen with a breakfast nook. The modern kitchen is equipped with natural gas appliances, granite countertops, and a large island, making it a wonderful place to gather with loved ones and enjoy a home cooked meal. The real highlight is the expansive lanai where you can host a dinner party for an al fresco dining experience and relaxation. Want to wind down after the party, retreat to your secluded primary suite on the first floor. Featuring a luxurious glass shower and adjoining tub with his and her vanities for ample space for you and your partner. Two walk-in closets that can become another room or office with plenty of storage space. Walk up the staircase to the second floor and you will find the study area. This is a great space for your children to do their homework or for you to use as an extra office space if you work from home. To the right of this study area are two bedrooms with a full bathroom in between them. Continuing over to the left wing there is the last bedroom and bathroom that is adjacent to the extra family room. Ideal space for a secluded mother in-law suite. Outside, the backyard offers privacy and tranquility, overlooking a serene wooded oasis. The yard provides endless possibilities for gardening, playtime, or even the addition of a pool. The real gem of this community is the close proximity to various amenities. Publix, Walgreens, shopping, and dining options like burgers, Italian, Chinese food are only minutes away. Enjoy the Florida sun with a day on the water at John’s Lake that is perfect for boating, fishing, or just relaxing after a long day. Love the vibrant atmosphere of a night out. Drive over to Downtown Winter Garden that is only 10 minutes away with fantastic restaurants and live music. If you and your family are Disney or Universal lovers the theme parks are 25 minutes away. Don’t miss the opportunity to make this lovely residence your own. Call today for your private showing.
Source: STELLAR #p4930706
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #p4930706
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
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.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
MLS ID: #p4930706
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.