3912 Baja Dr, Saint Cloud, FL 34772
4 beds · 2 baths · 2,144 sqft sqft
Lovingly cared for by original owners, great floorplan, and tranquil water views ---this is the one! TOUR THE HOUSE WITH THE VIRTUAL TOUR LINK. From the moment you pass through the elegant mosaic glass front door and on to the beautiful tile flooring throughout the house, you’ll feel “home.” High ceilings and natural light bathe the open concept of this floorplan. The family cook will enjoy views of the pond while preparing meals and snacks to serve at the large island bar, or in the adjacent dining space. With plenty of cabinetry, a closet pantry, and ample stone countertops and backsplash, this kitchen will feel like a dream. Plus, you’ll always feel part of the action overlooking the large family room! Through sliding glass doors you’ll find a covered patio where you’ll enjoy watching birds around the pond while you enjoy your morning coffee or evening glass of wine. Retreat to the primary suite, where your king-sized furniture will be right at home. A large walk-in closet awaits, and the ensuite bathroom has a large step-in tile shower and dual-sink vanity set at comfort height, so you have less bending over the sink. Three other well-appointed rooms and another full bathroom with a dual-sink vanity are the perfect spaces for your needed bedrooms, office space, or home gym. One of the bedrooms has a custom bunk bed that could convey with the house if you like. Other features and upgrades include a large laundry room with cabinetry storage, elevated tray ceilings, additional hanging garage storage shelving, custom barn-door style window shutters, water softener, gutters, paver-brick driveway, fresh exterior paint, and built-in exterior wall access for pest control treatment. On top of that, there is NO CDD and the LOW HOA also provides access to a community pool and playground. The Whaley Creek neighborhood has convenient access to the Florida Turnpike, and has close shopping and dining options nearby.
Source: STELLAR #o6250023
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6250023
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: #o6250023
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.