570 Pinebranch Cir, Winter Springs, FL 32708
2 beds · 3 baths · 1,466 sqft sqft
GET IT WRAPPED UP BEFORE CHRISTMAS! Nestled in the gated community of BARCLAY RESERVE in Winter Springs, this delightful 2-bedroom, 2.5-bathroom townhome is ready to welcome you home just in time for the holidays! Imagine starting the new year in an updated, move-in-ready space—or perhaps wrapping it up as the ultimate Christmas gift! This home features a seamless blend of style and comfort, from the new LUXURY PLANK VINYL flooring (installed in 2023) to the open and airy floor plan on the main level. The kitchen showcases sleek QUARTZ countertops and STAINLESS STEEL appliances, and it flows beautifully into the spacious great room. Sunlight streams in through large double sliding glass doors, offering serene views of the CONSERVATION AREA behind the property. Step outside to the private patio, a peaceful retreat for morning coffee or evening relaxation. Upstairs, you'll find a spacious primary bedroom featuring luxury plank vinyl flooring, an en-suite bathroom, and plenty of closet space. The second bedroom, just as roomy, is conveniently located near its own full bathroom, ideal for guests. A flexible LOFT AREA provides space for a home office, study, or cozy reading nook. Plus, the added convenience of an upstairs laundry area makes daily living that much easier. Additional highlights include a private ONE CAR GARAGE with guest parking, a NEWER ROOF (replaced in March 2022), and a 2020 HOT WATER HEATER. Located in the highly sought-after SEMINOLE COUNTY SCHOOL DISTRICT, this home feeds into Oviedo High School and is perfectly positioned near SR 434 and SR 417, offering easy access to Oviedo on the Park, UCF, Seminole State College, and Winter Springs Town Center. Surrounded by the natural beauty of Winter Springs, with its scenic trails, lakes, and green spaces, this home combines accessibility with tranquility. Don’t miss out on this rare opportunity to move in before the holidays! Schedule your tour today and make this charming townhome your best Christmas present yet!
Source: STELLAR #o6235503
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6235503
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: #o6235503
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.