341 N Fork Dr, Lakeland, FL 33809
3 beds · 2 baths · 1,265 sqft
Home Sweet Home! This move-in ready 3-bedroom, 2-bathroom home with a 2-car garage offers a spacious and stylish living environment in a highly sought-after neighborhood. Ideally located just across the street from a golf course, this home features a functional and modern layout with plenty of upgrades and natural lighting. The open and split floor plan creates a seamless flow between living spaces, perfect for both daily living and entertaining. All three bedrooms are highlighted by beautiful wood floors, while the rest of the home boasts easy-to-maintain tile flooring. The combined living, kitchen and dining area is bright and welcoming, with upgraded light fixtures throughout and ceiling fans in every bedroom for added comfort. The kitchen is a chef’s dream with sleek, Samsung stainless steel appliances, including a refrigerator, stove, and dishwasher. A massive walk-in pantry provides abundant storage space. The home also includes custom upgraded window treatments that add a touch of elegance to every room. The 2-car garage is finished with indoor/outdoor carpet, offering a clean and functional space with the added convenience of an included washer and dryer. Outside, enjoy the curb appeal of Florida palm trees in the front yard. The backyard is fenced, offering privacy and a blank slate for your outdoor design ideas. With its prime location near a golf course, beautiful upgrades, and thoughtful design, this home is the perfect place to live, work, and play. Don’t miss the opportunity to make it yours!
Source: STELLAR #tb8329546
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8329546
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: #tb8329546
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.