4160 Golden Willow Cir, Apopka, FL 32712
4 beds · 2 baths · 2,241 sqft
Welcome to Apopka’s Oak Ridge community and this move in ready POOL HOME on a large .40 ACRE LOT with a NEW SALT WATER POOL / PAVER POOL DECK / SCREEN ENCLOSURE (2022) outside and a light and bright OPEN CONCEPT inside that features both formal and family spaces - all zoned for the BRAND NEW KELLY PARK ELEMENTARY & MIDDLE SCHOOL! In addition to the new pool there are PLANTATION SHUTTERS INSTALLED THROUGHOUT (2023), INTERIOR PAINTED (2022), ALL NEW LIGHT FIXTURES & FAUCETS (2021), UPDATED FLOORING and so much more. The thoughtful landscaping paired with a side facing garage adds to the curb appeal and gives you extra length on the driveway for ample parking. Step through the front door and into a foyer featuring a decorative tile inlay and site lines straight through to the backyard. Behind glass inset French doors there is also a versatile OFFICE/FLEX space or a 4th bedroom if needed! The beautiful HARDWOOD FLOORS were installed in 2020 leading the way into a spacious living area open to a GOURMET KITCHEN. The home chef will delight in being surrounded by rich 42” solid wood cabinetry and upgraded STAINLESS STEEL APPLIANCES that include a GAS COOKTOP and POT FILLER. Siletone countertops compliment the newly tiled backsplash (2024) and you have your choice of casual dining at the breakfast bar on the oversized ISLAND or in the dinette overlooking the pool. There is recessed lighting as well as chic pendant lighting and the WALK-IN PANTRY delivers ample storage. The modern neutral color palette continues in the fabulous OWNER’S SUITE, finished with a lovely tray ceiling, twin windows for great natural light, and the UPDATED EN-SUITE BATH through double doors features a dual sink vanity, soaking tub, glass enclosed tiled shower and a large WALK-IN CLOSET. Bedrooms two and three are tucked away off a separate hallway with the second full bath. Residents of the Oak Ridge community will enjoy GATED ACCESS as well as the proximity to SR 429, shopping, dining, parks, the Apopka Amphitheater, the list goes on and on. This home is the perfect blend of stylish updates and modern comforts - call today to schedule a tour!
Source: STELLAR #O6281216
Financials
Source: Public records
Source: STELLAR #O6281216
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.