412 Lady Bella Pl, Deland, FL 32724
3 beds · 2 baths · 1,617 sqft
Better Than New! 2021 Jemison Model in Victoria Oaks - A Rare Find! Welcome to this stunning 2021 Jemison home, one of the most sought-after 3-bedroom, 2-bathroom models in Central Florida, and now available in the desirable Victoria Oaks community in Deland. This corner lot home offers both privacy and abundant natural light, setting it apart from others. Situated in one of Deland’s premier communities, this home is perfect for those looking to enjoy the convenience of an easy commute to Orlando while being immersed in the charm of a close-knit neighborhood. The reasonable HOA fees include access to incredible amenities such as a clubhouse, fitness center, walking and biking trails, sand volleyball court, tennis courts, and Lake Victoria. Step inside this open-concept home and be greeted by modern finishes and a light-filled, spacious living area. The layout seamlessly connects the living room, dining area, and kitchen, creating a perfect space for gatherings and everyday living. The kitchen features gleaming white cabinetry, granite countertops, upgraded appliances, and a large walk-in pantry. Unlike other models, the central island faces into the heart of the home, providing a fantastic view of the living space and no neighbors on the left side, making it a bright and airy spot. The versatile study, which could easily serve as a third bedroom with its own closet, is located just off the main living area and provides extra space for work or relaxation. The master suite is generously sized and includes a walk-in closet and an en-suite bathroom with a walk-in shower. A second bedroom, located at the front of the home, has easy access to a well-appointed hall bath. The indoor laundry room adds extra convenience, and sliding glass doors lead to the covered lanai, perfect for enjoying the outdoors. Additional upgrades include a water softener and smart home technology, ensuring modern comforts throughout the home. This home is ideally located just 5 minutes from I-4, 5 minutes to local shopping, dining, and Starbucks, and only 30 minutes from Florida's beautiful beaches and an hour to Orlando's world-class attractions. Deland, named America's #1 Main Street, offers a wonderful balance of small-town charm and access to everything you need. Don’t miss the chance to own this exceptional home in one of Deland’s most desirable communities. Schedule a showing today!
Source: STELLAR #G5094093
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.
Have questions? Email support@withroam.com
Source: Public records
Source: STELLAR #G5094093
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.