5370 Whispering Pine Cir, Saint Cloud, FL 34771
4 beds · 2 baths · 2,259 sqft
Welcome to your dream SKIABLE LAKEFRONT estate located in the sought-after Majestic Oaks subdivision, just minutes from Medical City and Lake Nona. This property sits on OVER 1/2 ACRE canal-front lot with direct access to the skiable CHAIN OF LAKES; Lake Ajay, Fells Cove, and East Lake Tohopekaliga. You can enjoy these waters directly from your own PRIVATE BOAT DOCK with lift and be in open water in minutes! A 2021 custom-built Trex dock with a boat lift accommodates up to a 21-foot boat, inviting you to enjoy boating, fishing, paddle boarding, or simply taking in the serene views. Newly Renovated, the ONE STORY home seamlessly blends its original charm with contemporary upgrades, featuring four spacious bedrooms, two bathrooms, and an open floor plan designed to maximize natural light and stunning water views. The chef’s kitchen is a masterpiece, complete with a massive peninsula, double oven, range hood, built-in microwave drawer, custom soft-close cabinetry, stainless steel fingerprint-resistant appliances, handmade tile backsplash, quartz countertops, and a granite sink with a touch faucet. The dining room and kitchen overlook the pool and canal, creating a seamless indoor-outdoor flow. The owner’s suite is a peaceful retreat with ample space for a seating area, an ensuite bath with double sinks and two separate vanities, and direct access to the covered lanai. Throughout the home, thoughtful details include solid wood interior doors, recently replaced sliders, closet doors, and double-pane windows, along with extra attic insulation, a stone fireplace, LVP flooring, modern ceiling fans, window treatments, and spacious closets. Outside, the HEATED POOL and SAUNA with travertine pavers provide a private oasis for year-round enjoyment under the screened lanai. This stunning home offers an unparalleled Florida lifestyle, where relaxation and outdoor adventure await at your doorstep. Don’t miss this rare opportunity—schedule your private tour today!
Source: STELLAR #O6290965
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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
Source: STELLAR #O6290965
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
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 “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.
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 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.