3952 Wind Dancer Cir, Saint Cloud, FL 34772
3 beds · 2 baths · 1,677 sqft
GREAT PRICE! Introducing this exquisite residence in the Esprit community, located in the heart of St. Cloud— This property captivates with its premium lot location, offering spectacular pond* views and breathtaking sunrises. The open design, along with a versatile den* at the entrance ideal for an office, additional room or a living room, makes this house a contemporary and inviting home. It features *3 bedrooms, *a den/living room, *2 bathrooms, and a series of *upgrades: a roof installed in 2017, water heater and AC unit from the same year, recent exterior paint, and interior paintwork of rooms and hallways done between 2021 and 2023. Water softener is included. The entrance welcomes you with an elegant façade and a spacious front garden, projecting warmth and style from the first glance. The kitchen is the true heart of the home, spacious with modern appliances and a versatile central island, surrounded by charming details ready to be the backdrop for unforgettable moments. The dining room, flooded with natural light, joins the setting, offering a perfect place for gatherings. The living room, with its large window, invites daylight in, extending a warm embrace to the entire space. The fireplace area is a haven of tranquility, with its modern *electric fireplace and ample space to unwind. The master bedroom and the stylish bathroom with double vanity and glass shower ensure daily comfort. The other two bedrooms are designed to offer peace and joy, bathed in natural light and ready to adapt to any space needs. The backyard* is a canvas for relaxation and family entertainment under a cozy pergola, while the Pond view from the garden invites moments of peace and connection with nature. The community provides a palm-surrounded pool, play areas, and a cabana to enjoy the outdoors. With a low HOA fee, proximity to highways, attractions, hospitals, and restaurants, and a list of improvements that include tile flooring and Vinyl planks and a fireplace, this home is ready to offer a lifestyle of comfort and elegance.
Source: STELLAR #s5101048
Source: STELLAR #s5101048
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%. 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.
Other resourcesWhat 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.