2339 Ridgeview Dr, Lakeland, FL 33810
3 beds · 2 baths · 1,728 sqft
This charming three-bedroom, two-bathroom with NO HOA!!! Home Has all the Bonus Spaces That you could possibly ever desire! The home boasts a spacious lot with mature trees, providing a serene and private setting. The covered porch and charming entryway welcome you into the inviting interior, which features the most adored Brick exterior. The home is filled with ample natural light, creating a bright and airy atmosphere. The primary bathroom is spacious and includes a tiled shower and ample storage. The kitchen is well-appointed, with generous cabinetry and stainless-steel appliances, complemented by hardwood-style flooring throughout. The living spaces are neutral in tone, creating a tranquil and versatile canvas for personalization. Not only does this home have its 3 Bedrooms, It has a garage converted and finished into what can be a guest suite, workout room, home office, library, extra room, or anything you can dream of. But wait, there's more!!! There are MORE Bonus rooms!!! A whole other living Space that could be a game room, craft Room, Playroom, ANYTHING!!! And!!! Right off of that room IS ANOTHER ROOM That can ALSO be used for anything!!! The Spaces here are unlimited!!! Stepping outside you will find the covered paved patio and Amazing inground saltwater pool that offer an inviting outdoor living space. The spacious backyard with mature landscaping offers a peaceful retreat. An additional bonus feature is the 10x16 two-story workshop, providing ample storage or potential for a home-based business. This Home has so many possibilities of memories to be made. Right in the Heart of North Side Lakeland This Opportunity is available to be yours!!! USDA Eligible!!! Call Today for a private Showing!
Source: STELLAR #l4948518
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #l4948518
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: #l4948518
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.