2816 Ivy Lake Ct, Lakeland, FL 33811
5 beds · 3 baths · 2,696 sqft
Welcome to this exceptional 5-bedroom, 3-bathroom home, where your peaceful sanctuary awaits! The fully fenced backyard offers privacy and space for outdoor activities. Step inside to discover an expansive open floor plan designed for modern living. The chef’s kitchen boasts stainless steel appliances, ample cabinetry, stone countertops and a spacious island that overlooks the bright and airy living room—ideal for both daily living and entertaining. Natural light floods the home, enhancing its warm and inviting atmosphere. A versatile fifth bedroom on the main floor, along with a full bathroom, makes the perfect home office or guest suite. Ceramic tile flooring flows throughout the main living areas, while plush carpeting adds comfort to the bedrooms. Upstairs, retreat to the luxurious primary suite, complete with dual walk-in closets and a spa-like en-suite bathroom with dual sinks. Three additional bedrooms offer generous space and ample storage, while the bonus room provides endless possibilities—use it as a media room, playroom, gym, or office. A convenient second-floor laundry room adds extra ease to your daily routine. Additional features include a formal dining or flex space, a 2-car garage, and a charming front sitting porch—perfect for sipping your morning coffee. Located just minutes from I-4, this home offers easy access to Orlando, Tampa, and all that Downtown Lakeland has to offer. The Lakes at Laurel Highlands community provides wonderful amenities, including a pool, clubhouse, and playground. There is also shopping, restaurants, medical offices and so much more just down the road. Call today to schedule your private showing! ASSUMABLE LOAN FOR CREDIT APPROVED VA BUYERS.
Source: STELLAR #L4950519
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 #L4950519
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.