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 ramp. 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 solid wood cabinetry(Knotty Alder) with imported granite. The kitchen is delightfully graced with Knotty Alder custom kitchen cabinetry, topped with imported, 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
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 #L4948476
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.