15144 Spinnaker Cove Ln, Winter Garden, FL 34787
4 beds · 2 baths · 2,153 sqft
*Video and 3D walkthroughs available* Bring your swimsuit because this house is move-in ready! The screened-in pool was just built in 2021, has an electric heater, lights, a sun shelf with bubbler and children’s safety fence. It’s surrounded by travertine tile and overlooks the golf course! Enter the home to find upgraded 24”x24” tile, 5” baseboards, plantation shutters and tall ceilings. The formal dining room is at the front of the home with a tray ceiling and easy access to the kitchen. You’ll find the formal living room at the front of the home as well. The kitchen has granite countertops, stainless-steel appliances and farm sink. The kitchen cabinets are new with soft-close doors and a pantry with pull-out shelving. The eat-in breakfast nook overlooks the pool and golf course and has a custom-built desk with cabinet storage. Relax in the primary suite with private access to the patio, bamboo plank flooring, a walk-in closet plus a built-in closet, a new frameless shower with penny tile, large wall tile, a shampoo niche, and a new vanity with dual sinks. The secondary bedrooms have newer carpet and share the 2nd bathroom that has been renovated with a new vanity and upgraded shower with a shampoo niche. There is a solar package included with the house that will be paid off at closing. This keeps the monthly utility bill low along with the new roof (2022) and foam insulation in the attic. The Stoneybrook West HOA dues include cable and internet, a 24-hour guarded gate, and access to the 7,700 square foot town center, Olympic-sized swimming pool with a children's pool, fitness center, playground, tennis courts, basketball courts, pickleball courts, fishing/viewing pier, and a community activity calendar! This home is just minutes away from the community town center, golf clubhouse, great schools, restaurants, shopping, a hospital and entertainment.
Source: STELLAR #O6287199
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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 #O6287199
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.