3149 Songbird Cir, Harmony, FL 34773
2 beds · 2 baths · 1,305 sqft sqft
*SELLER MOTIVATED* ASSUMABLE MORTGAGE AVAILABLE WITH A 3.87 INTEREST RATE! CALL TODAY FOR MORE DETAILS! Discover this delightful 2-bedroom, 2-bathroom home, ideal for those seeking the vibrant lifestyle of a 55+ community. Upon entering, you'll be greeted by a lovely entryway leading directly into the dining room. The heart of this home, the kitchen, boasts quartz countertops, an island with additional seating for food preparation, and a spacious pantry. The great room at the back of the house features a stunning accent wall and offers a scenic view of the lanai, ensuring privacy with no rear neighbors. The lanai is screened in, with brick pavers extending further to create the perfect space for grilling or a fire pit. The generously sized owner’s suite includes an en-suite with dual sinks, a large walk-in shower, and a professionally organized walk-in closet by Closets By Design completed with a make up desk. In fact, all closets in this home, including the pantry, have been expertly designed for maximum efficiency. This home also includes security cameras located around the property and tinted windows throughout. Located just 40 miles southwest of Orlando and 40 miles from the east coast beaches, this gated community provides a serene and tranquil environment. Residents can enjoy boating on Buck Lake, golfing, and a variety of recreational activities. Harmony offers a wealth of amenities, including:Dog park, Zero-entry pool at the amenity center, Community gathering room, Private gym, Tennis and pickle ball courts, Boating, Walking trails, and last but certainly not least an 18-hole Johnny Miller golf course. Additionally, the Homeowners Association takes care of lawn maintenance, ensuring a carefree and well-manicured exterior for you to enjoy. Embrace the Harmony lifestyle today!
Source: STELLAR #o6208271
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6208271
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: #o6208271
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.