4814 Terra Sole Pl, Saint Cloud, FL 34771
4 beds · 2 baths · 2,138 sqft
*** THIS HOME CAN BE PURCHASED WITH NO MONEY DOWN, ASK ME HOW *** Welcome to your dream home in the heart of Saint Cloud! This stunning one-story residence offers the perfect blend of comfort, convenience, and modern elegance. Boasting four spacious bedrooms and two beautifully appointed bathrooms, this home is ready for you to move right in and start making memories. As you arrive, you'll be greeted by a charming paver driveway that adds to the home's curb appeal. Step inside to discover a bright and open layout, where every detail has been thoughtfully designed. The home features brand-new vinyl flooring, complementing the sleek tile floors, and creating a seamless flow throughout the living spaces. The kitchen is a chef's delight, equipped with 42-inch cabinets, gorgeous granite countertops, and plenty of space to prepare your favorite meals. Whether you're entertaining guests or enjoying a quiet night in, the expansive lanai offers a perfect spot to relax, overlooking a fully fenced backyard that provides privacy and is shaded by mature trees. Additional features include a water softener system, ensuring the highest quality water for your household, and the peace of mind that comes with knowing this home is truly in move-in condition. Located just minutes from shopping, dining, and easy access to the highway, this home offers the best of both worlds—tranquil suburban living with the convenience of nearby amenities. Don't miss the opportunity to make this exceptional property your own!
Source: STELLAR #o6238012
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6238012
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: #o6238012
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.