3660 Daydream Pl, Saint Cloud, FL 34772
4 beds · 3 baths · 2,478 sqft
We invite you to come on in and be the first to see this St. Cloud Gem! This 4/2.5 house has everything you need to feel right at home. When you enter the home the first thing you will notice are the gorgeous hard wood floors and beautifully laid tiles throughout the formal and informal living and dining. As you walk into the kitchen you will notice the lovely cabinetry and granite countertops. There is a bar area as well as an eat in dinette area and both are open to the family room. If you step outside the back door you will feel relaxed on the back porch that overlooks the beautiful mature landscaping. There is a hallway to the right of the kitchen with a half bath and a large laundry area with a sink. This is where you will find the garage that houses 3 cars and is equipped to charge your Tesla Car. As you make your way upstairs you will find all 4 bedrooms, and 2 full bathrooms. All rooms have laminate flooring that matches well with the downstairs flooring for a uniform look. Each room has plenty of closet space; but just wait until you see the Primary bedroom!!! This large room has a walk in closet that dreams are made of. The En-suite bathroom has two sinks, a large shower separate from the garden tub where you can soak away the day. This home has a new roof and outside AC Unit that were replaced in 2023. Keyless entry. Security System. Sprinkler System. This home is one you will cherish for years to come. Stop Day Dreaming and make this home your reality!
Source: STELLAR #o6197910
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6197910
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: #o6197910
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.