6139 Christina Dr W, Lakeland, FL 33813
4 beds · 2 baths · 1,683 sqft
Discover your dream home in this meticulously maintained 4-bedroom, 2-bathroom home. Gleaming luxury vinyl floors and fresh, inviting paint create a bright and cheerful atmosphere. Imagine lazy afternoons lounging on the expansive screened-in pool deck, the gentle warmth of the heated pool beckoning you for a refreshing dip. After a swim, unwind in the fruit-filled garden, a tranquil haven within your nearly one-third-acre, fully fenced yard. Entertain guests in the formal dining room, bathed in natural light and seamlessly connected to the kitchen. Enjoy your favorite movies and music with the convenience of surround sound wiring throughout the home. Eco-conscious living is effortless with all-electric power provided by solar panels, resulting in winter electric bills typically under $85. Rest easy knowing major components like the roof, HVAC and solar panels are only 5 years old, ensuring years of worry-free living. Located just 15 minutes from Downtown Lakeland, you'll enjoy the convenience of easy access to the city's charming shops, restaurants, and vibrant arts scene while enjoying a comfortable and convenient lifestyle in this well-maintained home. Additional features include: Maytag whole home water softener, Instahot water dispenser, Updated breaker with kVAR capacitor, Drip irrigation system for all plants and fruit trees. This is more than just a house; it's a place to create lasting memories. Schedule your viewing today and discover the magic of this exceptional property.
Source: STELLAR #s5117658
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #s5117658
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: #s5117658
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.