304 Oak Landing Dr, Mulberry, FL 33860
5 beds · 4 baths · 3,545 sqft
Welcome to this stunning, fully remodeled 5-bedroom, 3.5-bathroom home, located in the exclusive gated community of Oak Landing within Imperial Lakes. This luxurious property has been thoughtfully updated with every modern convenience and design detail in mind. As you step inside, you'll be greeted by a grand two-story entryway that sets the tone for the elegance found throughout the home. The custom kitchen is a true masterpiece, featuring brand-new wood cabinets, an oversized island, and state-of-the-art smart GE Café appliances. Whether you're a gourmet chef or love hosting, this kitchen will exceed your expectations. The spacious living areas boast new flooring throughout, with wood-look tile downstairs and luxury vinyl upstairs. The updated stairwell with integrated lighting adds a contemporary touch, leading you to the second floor where you'll find a wet bar in the loft and a versatile 5th bedroom that can be used as a media room or theater. Step outside to your private oasis—a saltwater pool with a new heater and pump, all enclosed within a two-story screened lanai. Enjoy the view from the second-floor balcony, crafted from durable Trex Wood, overlooking the pristine pool. The fully fenced backyard offers both privacy and a perfect space for outdoor entertaining. Smart home features abound, including smart irrigation, lighting, thermostat, and even a smart garage door motor. The home is also equipped with new sliding doors, windows, and a brand-new roof, ensuring peace of mind for years to come. New light fixtures, chandeliers, and ceiling fans enhance the home's ambiance, while custom built-ins throughout offer both functionality and style. With an extended driveway that fits three cars, a second bedroom with an ensuite bathroom, and a fully fenced backyard, this home truly has it all. The A/C system was replaced in 2022, and the entire home has been freshly painted inside and out. Don’t miss your opportunity to own this exceptional property in one of the most sought-after communities. Schedule your private showing today.
Source: STELLAR #l4946982
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #l4946982
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: #l4946982
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.