4518 Hummingbird Ln, Haines City, FL 33844
4 beds · 2 baths · 1,802 sqft
Get a free consultation call with an expert in the mortgage assumption process.
SELLER READY TO SELL DUE TO RELOCATION! Rare Find on Hummingbird Lane – A Salt Water Pool Home with Exceptional Value! 2.35% ASSUMABLE LOAN. Welcome to 4518 Hummingbird Lane, a truly distinctive property in a sought-after neighborhood. Unlike most homes in the area, this 4-bedroom, 2-bathroom residence stands out as one of the few with its own private salt water pool (salt requires less maintenance and is healthier than chlorinated pools). This home's thoughtful design and elevated view make it a perfect retreat for relaxation and entertaining. Inside, you’ll find an open-concept layout that’s both inviting and functional. The spacious living and dining areas seamlessly flow into the kitchen, creating a versatile space for everything from casual family dinners to lively get-togethers. The layout ensures you’ll never miss a moment, whether you’re hosting friends or enjoying a quiet evening at home. Step outside to your private backyard oasis, complete with a sparkling pool and a stunning backdrop. Whether you’re soaking up the sun, taking a refreshing dip, or enjoying the peaceful views, this outdoor space is a true highlight. This home has unique features and comes with an assumable VA loan at a low interest rate—an incredible value for eligible buyers. The sellers are relocating out of state, creating a rare opportunity to own this exceptional property. Located close to shopping, dining, and major roads allowing easy access to Disney, Universal, and area beaches, 4518 Hummingbird Lane combines convenience with comfort. Don’t miss your chance to own one of the few 4-bedroom, pool homes in the neighborhood. Schedule your private tour today and discover the charm and value of this exceptional home!
Source: STELLAR #G5091421
Learn about how it works
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
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #G5091421
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.
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.
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.
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.
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.
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.