3136 Country Club Cir, Winter Haven, FL 33881
3 beds · 2 baths · 1,690 sqft sqft
This beautiful 3-bedroom, 2-bath home features a thoughtful split floor plan, making it both functional and welcoming. With extra-wide doors, it’s handicap accessible, ensuring comfort for all. The large foyer and hallway lead you to an impressive living space, including a spacious living room and cozy dining area with an open concept layout. The master bath is a standout, featuring a walk-in shower and a generous walk-in closet. The kitchen is a dream, equipped with a large pantry and a convenient eat-in island, perfect for gatherings. The laundry room adds to the home's functionality. Step outside to enjoy the large yard, complete with an above-ground pool and a screened-in back porch, ideal for watching sunsets. The property boasts zone irrigation and is located in a well-kept, quiet neighborhood near shopping, great schools, and restaurants. Hurricane-safe windows flood the home with natural light, enhancing its airy feel. The yard is enclosed by a white vinyl fence, providing privacy, and a small shed offers extra storage. The attached 2-car garage and the second bathroom, conveniently located between the other two bedrooms, complete this fantastic home. The master bath features double vanity sinks and a separate water closet, ensuring convenience and comfort. This home truly has it all!
Source: STELLAR #tb8316540
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8316540
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: #tb8316540
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.