1800 4th St NW, Winter Haven, FL 33881
3 beds · 2 baths · 1,740 sqft
Come see this Stunning Fully Remodeled Home in the Heart of Winter Haven. Welcome to this beautifully remodeled 3-bedroom, 2-bathroom home offering 1,740 sq. ft. of heated living space and a spacious total of 2,254 sq. ft. Located just moments from the charming downtown Winter Haven, this home combines modern elegance with unbeatable convenience. Step inside to discover a bright and open floor plan, perfect for both everyday living and entertaining. The large living area flows seamlessly into the kitchen. Whether you're preparing a family meal or hosting friends, this home provides the perfect backdrop. The massive primary bedroom is a true retreat, offering ample space for rest and relaxation. The luxurious en-suite bathroom has updated fixtures and a spacious shower. Enjoy the peace of mind that comes with a fully remodeled home—both inside and out. Outside, you'll find a private yard with room to entertain, play, or garden. And with its prime location near downtown, you'll have easy access to local shops, restaurants, parks, and all the best Winter Haven has to offer. Don't miss the opportunity to own this move-in ready gem—schedule a showing today and experience all that this home has to offer!
Source: STELLAR #P4932685
Financials
Source: Public records
Source: STELLAR #P4932685
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.
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.