5804 Bar Ranch Rd, Saint Cloud, FL 34771
4 beds · 4 baths · 3,084 sqft
The seller is offering $10,000 in credit with a full-price offer—use it towards closing costs or to buy down your interest rate and save big! PRICED TO SELL!! It won't last long. FINAL REDUCE TO SELL!!! DON'T MISS THE OPPORTUNITY TO OWN THIS SPECTACULAR PROPERTY. Luxury Lakeview Home with Premium Upgrades at 5804 Bar Ranch Rd, Saint Cloud, FL 34771 Discover this stunning, high-end residence in the serene setting of Saint Cloud, FL. Located at 5804 Bar Ranch Rd, this beautiful home offers 3,084 sq ft of luxurious living space with premium builder upgrades throughout, combining modern elegance with unparalleled comfort. Property Highlights: ?? Spacious and Elegant Layout: This 4-bedroom, 3.5-bath home features soaring high ceilings, creating a bright and airy atmosphere. Large windows provide abundant natural light and showcase breathtaking lake views, enhancing the home's sense of tranquility and beauty. ??? Gourmet Kitchen with Fine Appliances: The heart of this home is its gourmet kitchen, equipped with a line of top-quality appliances that will delight any home chef. The kitchen offers ample cabinetry, a spacious center island for entertaining, and a stylish coffee bar—perfect for starting your day. ??? Dedicated Home Office: Enjoy the convenience of a private office space, perfect for remote work, study, or managing your daily tasks in peace and quiet. ?? Tranquil and Prime Location: Set in a peaceful area of Saint Cloud, this home offers a serene environment while still being close to shopping, dining, and recreational amenities. It’s a perfect balance of lakeside living and modern convenience. ??? All the Builder Upgrades: Every detail in this home has been carefully crafted with high-quality finishes and materials, from upgraded flooring to custom fixtures, reflecting a high level of sophistication and care. ?? 1-Year Home Warranty Included: To provide extra peace of mind, the seller is offering a 1-year home warranty to match the builder's warranty, ensuring that you feel secure and confident in your investment. With its high-end finishes, spacious design, and serene lake view, 5804 Bar Ranch Rd offers a lifestyle of luxury and tranquility. This is a rare opportunity to own a home where every detail has been thoughtfully upgraded and maintained. Don’t miss your chance to make it yours!
Source: STELLAR #s5111680
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #s5111680
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: #s5111680
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