2130 Ef Griffin Rd, Bartow, FL 33830
5 beds · 4 baths · 3,871 sqft
Welcome to your dream home! This stunning 5-bedroom, 3.5-bathroom farmhouse offers over 2 acres of serene countryside living with the perfect blend of modern upgrades and rustic charm. Set on a large, private lot, this 2-story brick home has been thoughtfully remodeled to meet today’s standards of comfort and style with NO HOA. For your peace of mind, in 2019 Home was completely replumbed, 2019 water heater was replaced and Roof was replaced 11/5/19. The fireplace chimney was swept and cleaned 9/7/21. Inside, you'll find seamless flooring throughout the entire home, giving a clean, cohesive look. All light fixtures have been updated, and the interior has been freshly painted with refinished ceilings for a bright and welcoming feel. The primary bathroom is fully remodeled with a luxurious soaking tub—your perfect retreat after a long day. Enjoy energy efficiency with brand new AC units (2023), and newly installed attic insulation to keep the home comfortable year-round. Solar panels have drastically reduced your electric bills, making this home as sustainable as it is stylish. Don't miss this rare opportunity to own a slice of peaceful, updated country living!
Source: STELLAR #l4947510
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #l4947510
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
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.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
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.
MLS ID: #l4947510
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.