6243 Egret Dr, Lakeland, FL 33809
3 beds · 2 baths · 1,640 sqft
Discover your dream home in the vibrant 55+ community of Sandpiper Golf & Country Club, located in the heart of Lakeland, Florida. Thoughtfully renovated and beautifully updated, this home offers modern comforts and elegant features designed to elevate your lifestyle. Step inside to find stunning luxury vinyl tile flooring that flows seamlessly throughout, combining style and durability. The kitchen is a true showstopper, featuring granite countertops, updated cabinetry, new appliances, a chic backsplash, and upgraded plumbing—perfect for both everyday living and entertaining. Recent upgrades ensure peace of mind, including a roof replaced in September 2021 and a 2019 AC system for year-round energy efficiency. With three generously sized bedrooms and two well-appointed bathrooms, including a serene primary suite with dual sinks and a stylishly updated shower, this home offers plenty of space for relaxation. An additional bonus room, complete with permits and its own 1-ton AC unit, provides a flexible space for an office, gym, or hobby area. Outdoors, a screened-in back patio invites you to unwind and enjoy Florida’s sunshine in privacy and comfort. The property also includes a spacious 2-car garage and a beautifully pavered 3-car driveway and front patio for ample parking and curb appeal. As a resident of Sandpiper Golf & Country Club, you'll enjoy an active and enriching lifestyle with access to top-notch amenities, including a fitness center, sauna, two swimming pools, a jacuzzi, tennis courts, and more. HOA fees even include WiFi and cable for up to three boxes, adding convenience and value. With over $40,000 in upgrades, this home offers the perfect blend of luxury and functionality. Conveniently located close to medical offices, shopping, restaurants, Interstate 4, and just minutes from Disney, two international airports, the beaches, Cape Canaveral, and so much more—this home truly has it all. Don’t miss your chance to join this sought-after community—schedule your private tour today and start living the Florida lifestyle you’ve always imagined!
Source: STELLAR #L4949130
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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 #L4949130
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.