2203 Starboard, Winter Haven, FL 33881
2 beds · 2 baths · 1,260 sqft
Rare opportunity in the beautifully maintained 55+ Hartridge Landings! Located on the south shore of Lake Hartridge, this community has very low HOA, and includes a pool and a private boat dock. Boaters access Lake Hartridge, one of Winter Haven's beautiful lakes in the Chain of Lakes. This location is close to shopping, houses of worship, and civic clubs, yet private, adding to the enchantment of the community! The lush landscapes greet you upon entering the quiet retreat, maintained by your HOA! This cheerfully updated 2/2 unit provides updates galore. Entering the home, you will note the beautiful new floors as your view is the open main part of the home. Illuminated by the abundance of natural light, the dining & living space seem to have no end as it opens out to the private courtyard in the back. The split floor plan provides comfort and privacy for guests, as both are equipped with ensuite baths. The main bath was updated less than a year ago, features a walk in shower, and imported cabinetry (Knotty Alder). The kitchen is delightfully graced with imported Knotty Alder custom kitchen cabinetry, adorned with beautifully veined granite. Additional features include the triple filtration water system providing chemical free drinking water, covered parking, and indoor laundry with abundant storage. The courtyard is private and is home to several exotic plants, a reminder of two master gardeners who left their mark (previous owners). Don't hesitate, this cutie is ready for you to make it home!
Source: STELLAR #l4948476
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #l4948476
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: #l4948476
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