4145 Whistlewood Cir, Lakeland, FL 33811
3 beds · 2 baths · 2,408 sqft
Welcome to this stunning move-in-ready home located in the desirable, gated Carillon Lakes community in South Lakeland! This spacious 3-bedroom, 2-bathroom home, plus a versatile office/den that can also function as a 4th bedroom or flex space, offers a fantastic floor plan perfect for both entertaining and relaxation. The open living and dining areas flow seamlessly into a second living space, offering additional space for family gatherings, a media room, or quiet relaxation. The kitchen is a true chef’s delight, featuring a breakfast bar, a corner pantry, plenty of counter space, and sleek stainless steel appliances. The cozy, carpeted master suite provides a peaceful retreat, complete with a walk-in closet and a luxurious en-suite bathroom offering both a glass shower and a soaking tub. Step outside through the rear slider to the screened lanai, where you can unwind and enjoy tranquil views of the conservation area. The extended paved patio is perfect for hosting BBQs and gatherings with family and friends. Plus, this home boasts NEW ROOF & AC for peace of mind. The Carillon Lakes community offers an exceptional lifestyle with a 24-hour manned gatehouse, two clubhouses, scenic lakes, walking trails, boating and fishing opportunities, a playground, tennis courts, a gazebo, a pool, hot tub, billiards, and more. All of this is included with a low monthly HOA fee that also covers lawn maintenance, cable, and internet. Centrally located between Orlando and Tampa, this home is a must-see! Don’t miss your chance to make this fantastic property your new home.
Source: STELLAR #L4950402
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Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
Source: STELLAR #L4950402
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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 “Save search” 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 620, 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.