2272 Rose Blvd, Winter Haven, FL 33881
3 beds · 2 baths · 1,690 sqft
One or more photo(s) has been virtually staged. Nestled in the charming city of Winter Haven which is known as the Chain of Lakes City, this cozy 5-year-old home offers modern living in a quaint and friendly neighborhood, perfect for first time homebuyers, families, and individuals looking for a nearly new home. LOW HOA FEES and NO FLOOD ZONE are more reasons to enjoy this home! The property boasts an array of updates, including SOLAR panels for energy efficiency, fully FENCED with vinyl fencing, and screened patio & front entry. The spacious, oversized kitchen has an abundance of cabinets and TWO PANTRIES. With plenty of windows throughout the home, enjoy being flooded with natural light and Florida breezes! Enjoy a large primary ensuite bedroom with double window, large closet, beautiful bathroom with custom cabinets and additional closet. The split-bedroom layout ensures privacy, with the inviting foyer leading to an open, airy living room open to the kitchen, breakfast bar, and large eat in dining room. Relax in the screened lanai or enjoy the peaceful front entry. Additional features include a large storage shed for ample storage space. This home truly blends comfort, style, and sustainability.
Source: STELLAR #tb8301410
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8301410
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: #tb8301410
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.