1173 SAGUARO ST, Haines City, FL 33844
One or more photo(s) has been virtually staged. Sellers have relocated and ready to make this your new home. This 3 bed, 2 bath home in the vibrant Orchid Terrace community—ideal for first-time homebuyers and savvy investors alike awaits you! Just two years young and powered by solar, this Dream Starter home features the Lennar Dover floor plan that’s great for entertaining and making those clickable memories. Step inside to find two storage closets leading to two nicely sized bedrooms with a shared bathroom on your right. The owner's suite located in the back of the home offers dual sinks and a walk-in closet, giving you a private retreat to recharge. Whip up culinary masterpieces or the latest TikTok recipes in the gourmet kitchen, featuring 42-inch cabinets, a farmhouse sink, an extended island, pantry, and GE appliances. With natural light streaming in, this space is spot on for your social highlights when you go LIVE for your next Instagram dance-challenge or just keep it lowkey and make it a Netflix and chill night! Enjoy low-maintenance living with tile flooring in the main areas and plush carpet in the bedrooms. The home includes a two-car garage off the laundry room with a full-size washer and dryer. There is also recessed lighting, ceiling fans, and window treatments. Save big on energy bills with solar power and use those savings to create your dream outdoor space in the screened lanai and fenced backyard—perfect for cookouts, pet playdates, or soaking up the Florida sun. Orchid Terrace offers resort-style amenities that promise endless fun, including a sparkling pool, shaded pavilion, dog park, and playground. With easy access to I-4, you’re centrally located from top-rated schools and thrilling attractions like Disney World, Universal Studios, Legoland, Bok Tower Gardens, and Pointe Orlando. Enjoy premier shopping, dining, and world-class healthcare all within reach. This home is ready to be your backdrop for countless memories and provides a comfy place for remote work or to maintain your home, work, and life balance with ease. Move-in ready and waiting for you, this is your opportunity to take the first step on your journey from dreams to keys! Contact us today for a private showing.
You may be able to put down less than the total down payment amount of $34,357 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: #o6209289