3471 Julius Estates Blvd, Winter Haven, FL 33881
3 beds · 2 baths · 1,895 sqft
Fall in love with perfection and make this breathtaking dream home yours! This stunning 3-bedroom, 2-bath residence, with over 1,895 SF of luxurious living space, was meticulously crafted in 2013. More than just a home, it's a lifestyle upgrade waiting for you. Located in a peaceful neighborhood surrounded by beautiful homes and lush landscapes, this address offers the perfect haven for you to enjoy. Experience the best of lakeside living in the charming Lake Smart community. Relax by the community pool or take in the stunning views from the community dock area. The serene lakeside setting, combined with exceptional amenities, provides the ultimate peaceful retreat. This home is as practical as it is beautiful, with features designed for comfort and peace of mind. Security cameras and an alarm system ensure your safety, while the chef's kitchen impresses with custom granite countertops, 42” solid wood cabinets, stainless steel appliances, and more. One of the bedrooms is outfitted with brand-new plush carpeting, offering the perfect cozy escape. Step outside into your own private paradise. The lanai is ideal for relaxing afternoons, featuring a hammock and enchanting LED lights to set the mood. The backyard also boasts an avocado tree and a quick-connect for a generator, adding convenience to your everyday life. With its prime location near shops, restaurants, and parks, this home combines convenience with a tranquil setting. Whether you're looking for a peaceful retreat or a vibrant community, this home offers an unforgettable living experience. Don't miss out—make this your forever home today!
Source: STELLAR #S5122102
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Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
Source: STELLAR #S5122102
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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 “Save search” 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 620, 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.