1122 Hacienda Cir, Kissimmee, FL 34741
4 beds · 2 baths · 1,955 sqft
Under contract-accepting backup offers. MAJOR PRICE IMPROVEMENT!!! This property qualifies for a lender credit towards costs or interest rate buy-down when the client uses the preferred lender, ACE Lending Group. ASK ME HOW! Tucked away in the gated Estancia community, 1122 Hacienda Circle is a well-appointed 4-bedroom, 2-bathroom home offering a perfect blend of comfort, style, and convenience. A brand-new roof installed in 2023 provides peace of mind, while the fully fenced backyard offers privacy and space for outdoor enjoyment. Inside, the home boasts high ceilings and tile flooring throughout, creating a bright and open atmosphere. The spacious kitchen is designed for both function and style, featuring modern appliances and ample counter space, while the primary suite serves as a private retreat with a large walk-in closet and an en-suite bath with dual sinks. Beyond the home, Estancia offers residents gated security, a playground, and fishing areas, enhancing the neighborhood’s appeal. The location is equally impressive, placing you minutes from Kissimmee’s best amenities. Nearby Lakefront Park provides picturesque walking trails, picnic areas, and a marina, perfect for outdoor enthusiasts. The Loop, a popular shopping and entertainment hub, offers a variety of retail stores, dining options, and a movie theater. For those who love the outdoors, the Shingle Creek Regional Trail is just a short drive away, offering miles of scenic paths for biking, walking, and nature exploration. Plus, with quick access to major highways, Walt Disney World, Universal Orlando, and other top attractions are all within easy reach, making this home ideal for those who value both relaxation and adventure. <div style="padding:56.25% 0 0 0;position:relative;"><iframe src="https://my.matterport.com/show/?m=j3EistMS7As&mls=1" frameborder="0" allow="autoplay; fullscreen" allowfullscreen style="position:absolute;top:0;left:0;width:100%;height:100%;"></iframe></div>
Source: STELLAR #O6273989
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #O6273989
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.