6269 Silver Leaf Ln, Lakeland, FL 33813
4 beds · 3 baths · 2,062 sqft sqft
Exceptional living starts here in Hallam Preserve! This single-story 4 bedroom, 3 bathroom Southern Homes Alexandria floor plan is ready for its new owner. Enter into your double tray foyer with accent wall and take notice of the solid wood floors throughout the main living areas. Immediately to your left is a flex room perfect for a private reading/work/study area still accessible to the kitchen. To the right of the foyer is a bedroom a full bath with tub/shower. The living room and kitchen/dining area is the center of the home with ample room for everyone. Your kitchen has a breakfast bar to seat 4, granite countertops, wood cabinetry, and a huge dining room space. This split floorplan has a bedroom immediately off the living room area with a standard closet which can also be used as an office or additional flex space. The customization of use is up to you! Toward the back of the property is the Primary Suite with tall tray ceiling, and large windows for ample light during the day. The Primary's ensuite bath features both a walk in shower and large soaking tub, linen closet and dual sinks. The final bedroom also shares a back yard view and has a walk in closet plus its own ensuite bath with walk in shower. Step out back to the lanai and back yard with plenty of opportunities to enclose the fence, add a screened in extension, you can customize! There were very few of this floorplan with a 4th bedroom & just over 2000sqft- take advantage of this exceptional opportunity to call this home. While you are visiting, please visit the amenities of the community featuring a clubhouse and pool for residents. Hallam Preserve is close to all major highways, attractions, just minutes to Publix, shopping & downtown Lakeland.
Source: STELLAR #tb8313227
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8313227
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: #tb8313227
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.