3471 Julius Estates Blvd, Winter Haven, FL 33881
3 beds · 2 baths · 1,895 sqft
Fall in love and Indulge in perfection! Welcome to your breathtaking dream home featuring 3 bedrooms, 2 baths, and over 1895 SF of luxurious living space, meticulously crafted in 2013. More than just a home, this property embodies a lifestyle upgrade awaiting your presence. Nestled within a serene neighborhood adorned with pristine homes and lush surroundings, this address is your personal haven. Experience the epitome of lakeside living in this charming home nestled within the tranquil Lake Smart community. Enjoy access to a community pool, perfect for relaxation and sun-soaked days. Additionally, residents can take advantage of the community dock area, offering breathtaking views of Lake Smart. Don't miss the chance to reside in a peaceful lakeside setting with exceptional community amenities! This residence is not only visually stunning but also intelligently designed. With security cameras and an alarm system in place, your peace of mind is guaranteed. Step inside to discover a chef's kitchen adorned with custom granite countertops, 42” solid wood cabinets, stainless steel appliances, and more. One of the 3 bedrooms boasts plush new carpeting, creating a cozy retreat for relaxation. Step outside to uncover your private paradise. The lanai invites leisurely afternoons, complete with a hammock and captivating LED lights, creating a magical ambiance. The backyard features an avocado tree and a quick-connect for a generator, enhancing your convenience. Perfectly positioned near shops, restaurants, and parks, convenience and enjoyment are at your fingertips. Whether seeking a tranquil retreat or a vibrant community, this home promises an enchanting living experience. Don't let this opportunity slip away - seize the chance to make this your forever home!
Source: STELLAR #s5100364
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #s5100364
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: #s5100364
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.