4461 HOLSTEIN ST, Saint Cloud, FL 34772
New Price! Gorgeous 4 bedroom, 3 bath home with a Den Room and a 3 car garage. Built in 2021 with 2545 sqft of living space all on one level. The Kitchen is the heart of the home with the Living and Dining Room areas displaying an open concept, great for entertaining guests and family. The Kitchen offers an ample Island with Quartz countertops, 42" cabinets, Stainless Steel Appliances, a walk-in-pantry, a beautiful glass tile backsplash, recessed lighting and vintage pendant lights. The Living Room exhibits a decorative Stone Wall with built-in shelving and a fireplace. The Den is perfect for a Formal Dining Room, an Office, a Home Library, a Game Room or it can be easily enclosed into a 5th bedroom. The 4th bedroom features a walk-in closet and its own private full bathroom with an enclosed shower, ideal for an In-law-suite. The Solar Panels make this home Energy Efficient. The 3 Car Garage is perfect for multiple cars or simply for extra storage. Other features include Ceramic Tiles throughout the home except the bedrooms. The Security Cameras and the Video Ring Doorbell are also included. Relax from the privacy of your own backyard with a PVC fence and a Gazebo on a (29' X15') concrete patio. The fruit trees include: Papaya, Bananas, Chilis, Lime and Mango trees. Enjoy the Community Amenities with family and friends while swimming in the Pool or taking a walk to the dog park or playground. Priced under market value for a quick sale!
You may be able to put down less than the total down payment amount of $38,381 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #o6186486