3893 Wind Dancer Cir, Saint Cloud, FL 34772
3 beds · 3 baths · 2,434 sqft
One or more photo(s) has been virtually staged. Nestled within the Esprit Subdivision, this meticulously maintained house offers approximately 2,434 square feet of living space with three bedrooms and two and a half bathrooms. The home's spacious exterior and inviting glass inset door entryway create a welcoming first impression, complemented by the lush landscaping that surrounds the property. As you step inside, you'll be greeted by the home's spacious layout, featuring a formal living room, separate dining room and family room with a tray ceiling and recessed lighting, which is designed to maximize an open concept flow. Stylish ceiling fans, and an abundance of windows contribute to a comfortable, cozy ambiance throughout the home. The modern kitchen features quartz countertops, 42-inch cabinets, a large island, tile backsplash and stainless-steel appliances, seamlessly integrating with the open-concept design. The primary bedroom is a serene retreat, offering ample natural light, a tray ceiling, electric fireplace and a spacious layout. The en-suite primary bathroom boasts modern fixtures, dual sinks, quartz countertop, garden tub, glass enclosed shower and a custom closet system, while the two additional bedrooms provide comfortable accommodations for guests or family members. Stepping outside, you'll discover the home's spacious grounds, featuring a vegetable garden and a lush, wooded conservation view. The expansive screened lanai with tile floor provides the perfect outdoor living space, allowing you to enjoy the scenic landscape and the serene surroundings. The three-car tandem garage with epoxy-chip coating floor is spacious for cars or use the tandem bay as a gym. Throughout the home, you'll find high-quality finishes, such as tile plank flooring and stylish light fixtures, all of which contribute to the overall sense of sophistication and comfort. Esprit offers residents NO CDD, a community pool, tot lot and walking trail. Only a few miles from Florida's Turnpike, just 30 minutes to the beach, 20 minutes to Orlando International Airport, and 35 minutes to Walt Disney World, which adds to the convenience and amenities of this exceptional property.
Source: STELLAR #O6292699
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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 #O6292699
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.