1073 Vinsetta Cir, Winter Garden, FL 34787
4 beds · 4 baths · 3,568 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome Home to 1073 Vinsetta Cir, where comfort, convenience, and a touch of magic come together! Nestled in a peaceful neighborhood just off Avalon Rd, this delightful 4-bedroom, 3.5-bathroom home offers the perfect blend of modern elegance and functional living. Step inside and be greeted by an open floor plan that effortlessly connects the study, living room, and separate dining area—ideal for entertaining or creating a custom space to fit your lifestyle. With the option to convert the study or living room into a private bedroom suite, this home adapts to your needs. The heart of the home is the spacious family room and modern kitchen, featuring natural gas appliances, granite countertops, and a large island—perfect for gathering with loved ones. The expansive lanai is a true highlight, inviting you to dine under the stars or unwind with a peaceful view of the wooded backyard. The primary suite on the first floor is a serene retreat, complete with a luxurious glass shower, a relaxing soaking tub, dual vanities, and two walk-in closets—one of which is large enough to convert into an office or extra storage space. Upstairs, a versatile study area is ideal for remote work or homework time, flanked by two bedrooms with a shared full bath. Across the hall, an additional bedroom and bathroom sit next to a spacious family room, making it the perfect in-law suite or private guest quarters. Outside, the backyard offers privacy, tranquility, and endless possibilities—whether it's a play area, garden, or future pool. Beyond your backyard, the location is a dream! Everyday conveniences like Publix, Walgreens, and diverse dining options are just minutes away. Outdoor lovers will enjoy spending time at John’s Lake, perfect for boating, fishing, and soaking up the Florida sun. Downtown Winter Garden is just 10 minutes away, offering a lively atmosphere with fantastic restaurants and live music. And for the Disney dreamers and thrill-seekers, you’re only 25 minutes from the magic of Disney and Universal—where the fun never stops! Don’t miss out on this incredible opportunity to own a home in the heart of it all. Schedule your private showing today and start living the Florida dream!
Source: STELLAR #OM696349
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #OM696349
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.