13144 Social Ln, Winter Garden, FL 34787
3 beds · 2 baths · 1,936 sqft
Under contract-accepting backup offers. Welcome to this beautifully maintained and move-in ready 3-bedroom, 2-bathroom home located in the highly desirable Regency Oaks community. Offering 1,936 sq ft of living space plus an upstairs bonus room, this home combines comfort, function, and style. As you step in, you will love the open floor plan featuring a large great room with soaring ceilings and formal dining space—perfect for entertaining. The home has been thoughtfully updated with luxury vinyl plank flooring, interior and exterior paint (2023), A/C (2023), New Hot Water Heater (2021) & a brand-new roof (2025) for peace of mind. The kitchen is equipped with beautiful cabinetry, stainless steel appliances, and a charming breakfast nook, all conveniently located next to the laundry room. Enjoy seamless indoor-outdoor living with oversized sliding glass doors leading to a large screened-in lanai and a private, fenced backyard—ideal for relaxing or hosting gatherings. Retreat to the spacious primary suite filled with natural light and featuring a ensuite bath with custom cabinetry, dual vanities, a walk-in shower, and a garden tub. Tucked away down the hall you will find two additional bedrooms and a full guest bath nested in between them toward the front of the home, offering comfort and privacy for family or guests. Upstairs, the versatile bonus room makes a great space for a home office, playroom, media room, 4th bedroom or gym. This home has been meticulously cared for, with all major system upgrades. Regency Oaks is nestled within the Stonecrest community, offering access to amenities such as a community pool, playground, park, and walking trails. All just minutes from Winter Garden Village, top-rated schools, Florida Turnpike for easy commuting and All the major theme parks. Don't wait, book your showing today!
Source: STELLAR #O6297498
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #O6297498
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.