2019 Hibiscus Ct, Sanford, FL 32771
4 beds · 3 baths · 1,992 sqft

Get a free consultation call with an expert in the mortgage assumption process.
Welcome to 2019 Hibiscus Court, nestled in the heart of downtown Sanford’s sought-after Rose Court neighborhood. This charming Cape Cod-style single-story pool property, which is high and dry and has not experienced any adverse effects from recent hurricanes, truly has it all - including multiple opportunities for additional living spaces. The current Primary suite was previously an ADU and was converted back - it even has its own separate entrance with a wooden ramp for accessibility. From the moment you step inside, you'll feel right at home. The living room exudes warmth and character with its decorative fireplace and gorgeous original heart pine wood floors. Just off the living room, the bright and airy dining room is perfect for everyday meals or entertaining—complete with a stylish built-in beverage station/Butler’s pantry to craft the perfect drink. The beautifully updated kitchen features crisp white cabinetry, sleek black stainless steel appliances, and other tasteful finishes that strike a balance between modern and timeless. French doors lead into the spacious primary suite, offering a serene retreat with an adjoining sitting room (currently used as a workout space), a wall of large windows, tiled floors, a generous walk-in closet, and a private en-suite bathroom. Down the hall, you’ll find three additional bedrooms and a spacious guest bathroom with a relaxing soaking tub—perfect for family or visitors. Step outside to your own private oasis, complete with a sparkling saltwater pool and spa, ideal for Florida living and entertaining. The oversized, detached two-car garage includes a convenient half bath and is accessible via a private alley, providing off-street parking and added privacy. Located in one of Sanford’s most picturesque downtown neighborhoods, Rose Court is known for its palm-lined streets, charming curb appeal, and unbeatable location in the heart of the golf cart district. It feels like having your own park right out front! Don't miss the chance to call this rare gem your home—schedule your private tour today and experience the vibrant lifestyle that downtown Sanford has to offer.
Source: STELLAR #O6298718
Learn about how it works
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 #O6298718
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.
