393 Fish Hawk Dr, Winter Haven, FL 33884
5 beds · 5 baths · 3,920 sqft
One or more photo(s) has been virtually staged. They don’t make them this big anymore! This spacious 5-bedroom, 4.5-bathroom home in Hart Lake Cove has been completely refreshed and is ready for its new owner! With nearly 4,000 sq. ft. of living space, a three-car garage, and two master suites (one on each floor), this home offers endless possibilities for comfortable living. A great room, formal dining room AND loft gives you all the space you need. The upstairs Primary bedroom is next-level amazing with 2 walk-in closets AND 2 small closets outfitted with shoe racks! Not to mention the adjacent bonus room that is currently set up as “Primary Retreat” but can be closed off to make a 6th bedroom. The brand-new roof (January 2025), fully renovated kitchen, and updated flooring with luxury plank vinyl downstairs and new carpet upstairs make this home feel fresh and modern. Additional upgrades include a whole-home water softener and a newly built outdoor pergola and deck, perfect for relaxing or entertaining. Inside, the open floor plan features a spacious kitchen with a large island, two sinks, and a walk-in pantry. Oversized bedrooms provide ample storage, while the large backyard a great space for pets or play. Located in SE Winter Haven, this home is just minutes from Legoland, Peppa Pig Theme Park, shopping, dining, medical facilities, and top-rated schools. With easy access to Hwy 27, you’re just an hour from Orlando attractions and 1.5 hours from Florida’s beautiful beaches. This home is priced to sell, with minor needed updates factored into the price. Don’t miss out—schedule your private tour today!
Source: STELLAR #O6294590
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Why Roam
Lower rates and lower down payments
The only homebuying option for you to put 5% down and get a 5% rate.
Closing guarantee
We can close in 45 days or we’ll pay the seller’s mortgage until we close.
Offer acceptance
95% of offers accepted when made with Roam. 5% accepted without.
Rates and payments are estimates based on public records.
Source: Public records
Source: STELLAR #O6294590
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.
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 “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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.