3943 W Campbell Rd, Lakeland, FL 33810
6 beds · 4 baths · 4,227 sqft sqft
VERY MOTIVATED SELLER!! $10,000 seller credit to buyer for closing costs or rate buy down! No HOA or CDD, no restrictions! Discover the beauty in this one-of-kind North Lakeland custom built home with 6-bedroom, 3.5-bathroom with a large office/man cave perfect for a large family. The grand entrance through 8 ft French doors leads to a stunning interior with 25 ft ceilings and a remodeled kitchen featuring solid wood cabinets, quartz countertops, and stainless steel appliances. The addition of a new gas stove and hood will greatly elevate your kitchen environment. The master suite on the first floor boasts two walk-in closets, a skylight in the bathroom, and luxurious amenities. The second floor offers five bedrooms and two additional bathrooms. Two of the bedrooms share a jack-and-jill bathroom and a very large closet. There is a second floor laundry chute leading directly to the laundry room below. The laundry room offers dual laundry hook-ups that will accommodate two separate washer/dryer sets. Additionally, electronic blinds have been installed on some first floor windows. Outside, enjoy two covered porches, a side patio, and two acres of landscaped privacy. The property is horse-zoned, and there is an oversized two-car garage. Upgrades include a new roof, well-water sprinkler system, all new high impact Anderson windows and exterior doors, new carpet installed in 2023 and three AC units installed in 2021. Conveniently located between Orlando and Tampa with easy access to I-4. No HOA or CDD, only seven homes in this exclusive community. Noteworthy features include a gas-run water heater and fireplace and a 50 AMP RV hook-up. A smaller shed in the backyard is included. The first level of the home was remodeled in 2021 with further enhancements including new gutters and new fixtures throughout. New attic insulation was added in 2023. Ring cameras have been installed on the front and back of home. This home has been freshly painted inside and outside. All the work is done and is move-in ready!!
Source: STELLAR #l4942009
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #l4942009
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 30-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: #l4942009
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.