5701 Surprise Lily Dr, Winter Garden, FL 34787
4 beds · 3 baths · 2,890 sqft
Under contract-accepting backup offers. Incredible Value for this pristine two-story that shows like a model home in the sought-after Horizon West community of Hamilton Gardens! Upon entering you will feel the expansive open floor plan perfect for enjoying with your family and friends! The inviting and spacious family room flows effortlessly to the dinette and kitchen areas. The beautiful gourmet kitchen has an abundance of light cabinets, and stainless steel appliances including double ovens, a cooktop and a huge granite island with a breakfast bar that can accommodate several counter chairs. A large separate dining room and a room that could be an office, a gym or the fourth bedroom. This flex space has a full bath on the same side just across the hall and completes the first level. This wonderful home is bathed in natural light throughout with incredible sunrise views looking over the backyard! The staircase leads you to the second level where you will find the spacious owner's suite with an impressive-sized bedroom. The ensuite bath has double sinks, a walk-in shower, a separate water closet and a huge walk-in closet! Two of the guest bedrooms are on this floor, one with a large walk-in closet that is next to the cheerful laundry room that includes a washer and dryer. Down the hall, you’ll find a terrific loft space that you can transform into a movie or game area and the other guest bedroom and a full bath. This like-new home sits on a premium corner lot with no rear neighbors and no homes to your immediate south. The Security system has two cameras that can be controlled through an app on your phone, a ring video doorbell and a WiFi-enabled garage door opener. The lanai has been pre-plumbed for natural gas and a water line for your future outdoor kitchen. Nestled in Winter Garden, this community is near SR-429, top-rated schools, state-of-the-art medical and wellness facilities, historic downtown Winter Garden, and Winter Garden Village. Hamlin Village is within one mile and has a Publix, Cinépolis Movie Theater, restaurants, Starbucks and more making it a perfect blend of lifestyle and location. Call me today to schedule your appointment to come at take a look! You will love living here!
Source: STELLAR #o6215466
Source: STELLAR #o6215466
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: #o6215466
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.