4453 Emerald Palms Ln, Winter Haven, FL 33884
5 beds · 4 baths · 4,145 sqft
SPECTACULAR HOME with an IN-LAW SUITE! This MULTI-FAMILY gem includes a NEW ROOF, NEW HVACs and a NEW POOL!!! Stunningly beautiful, in IMMACULATE condition and located in the GATED COMMUNITY of Emerald Palms, this magnificent 5-BEDROOM, 4-BATHROOM, POOL HOME with a DEN/OFFICE and MEDIA ROOM offers the perfect blend of luxury, comfort, and privacy! Upon entering, you will be captivated by the grandeur of the foyer, which leads you into the spacious and elegantly designed living areas. The OPEN FLOOR PLAN seamlessly connects the inviting living room, dining room and cozy family room, creating an ideal space for both entertaining and everyday living. The GOURMET KITCHEN with SOLID WOOD CABINETS is a chef's delight and the adjacent breakfast nook overlooks the stunning pool area, allowing you to enjoy your morning coffee with a breathtaking view. HIGH CEILINGS with CROWN-MOULDING throughout add to the sophistication of this home. The primary suite is a true sanctuary, offering a peaceful retreat after a long day. It boasts a generous layout, two walk-in closets, en-suite bathroom with a soaking tub, separate shower and dual vanities. The IN-LAW/GUEST SUITE has its own large sitting room with access to the pool/lanai area. The additional bedrooms are all generously sized, providing comfort and flexibility for your family and guests. Up the stairs is the media room which has its own private bedroom and bathroom attached. Step outside into your back-yard oasis where you will find a SPARKING SALT-WATER POOL with OUTDOOR KITCHEN, perfect for enjoying the beautiful Florida weather. The EXPANSIVE SCREENED-IN, COVERED PATIO area offers ample space for outdoor dining, lounging and hosting unforgettable gatherings. This home has a whole home RUSS SURROUND SOUND SYSTEM with speakers and controls in every room. Recent updates include a new roof, new HVACs, interior paint, floors re-grouted and pavers sealed. A WATER WELL FOR IRRIGATION has also been added, thus keeping your water bills to a minimum. Natural Gas is also available. Don't miss the opportunity to make this luxurious pool home in a sought-after gated community your own. Schedule a showing today and experience the epitome of upscale living!
Source: STELLAR #tb8314936
Source: STELLAR #tb8314936
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 45-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: #tb8314936