6324 Chirpine Ln, Saint Cloud, FL 34771
4 beds · 3 baths · 2,055 sqft

Get a free consultation call with an expert in the mortgage assumption process.
Don’t miss out on this rare opportunity! Lock in a 5.2% assumable mortgage with this stunning home in the vibrant Pine Glen Community of St. Cloud! This Eastham floor plan from the Estate Collection, built in 2022, offers convenient living in a solar-powered neighborhood loaded with amenities: a picnic area, dog park, playground, basketball court, soccer field, and pickleball court. This beautifully designed single-story ranch features 4 bedrooms and 3 baths. The private Owner’s Suite is a peaceful retreat with a separate shower, soaking tub, generous walk-in closet, and direct access to the laundry room. The split bedroom layout adds privacy for everyone. The heart of the home is the gourmet kitchen with an oversized island, designer cabinetry, stone countertops, and stainless steel appliances, flowing seamlessly into the dining and living areas for effortless entertaining. Step outside to a private, fenced yard with a covered lanai—perfect for outdoor gatherings and relaxation. Additional highlights include a transferable 10-year Structural Warranty for peace of mind. Conveniently located near shopping, dining, and outdoor recreation, this home is just a short drive from Lake Tohopekaliga and Lake Nona—perfect for water lovers. With no CDD fees, this exceptional home won’t last long. Schedule your tour today and experience living in Pine Glen!
Source: STELLAR #O6270392
Learn about how it works
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
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #O6270392
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.
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.
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.
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.
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.
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.
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.
