4545 Ficus Tree Rd, Kissimmee, FL 34758
4 beds · 3 baths · 2,332 sqft
Welcome to your dream home in the serene community of Banyon Cove at Cypress Woods! This beautiful 4-bedroom, 3-bathroom residence features a stunning curb appeal, highlighted by lush landscaping and stylish exterior lighting. Step inside and be captivated by the breathtaking views of the sparkling swimming pool and tranquil pond in the back. The spacious formal living and dining room, equipped with plantation shutters (2021), provide an inviting atmosphere for entertaining or relaxing with family. The renovated kitchen (2021) showcases sleek granite countertops and ample storage space, seamlessly connecting to a large family room with easy access to the screened-in covered patio. Enjoy the comfort of no carpet in this home - luxurious vinyl flooring was installed in the bedrooms and formal living/dining in 2021. The expansive primary suite offers direct access to the back patio, making it easy to take a quick morning swim before starting your day. It also boasts a beautifully renovated en-suite bathroom, complete with a large walk-in shower, double vanity and a generous walk-in closet. This thoughtfully designed home features a desirable 3-way split floor plan, ensuring privacy and comfort for everyone. Key updates include a new HVAC system and a pool heater, both added in 2021 as well as new sliders installed in 2023 along with an attic ladder and attic fan for added convenience and efficiency which were also installed in 2023. The roof is just 7 years young! Unwind on your covered patio while taking in the serene water views and gorgeous landscaping—perfect for morning coffees or evening gatherings. Don’t miss your chance to own this stunning property, where modern upgrades meet tranquil living! Call now for your private showing!
Source: STELLAR #o6253277
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6253277
Source: Public records
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: #o6253277
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.