6324 Chirpine Ln, Saint Cloud, FL 34771
4 beds · 3 baths · 2,055 sqft sqft
Don’t miss this opportunity with a 5.2% assumable mortgage available! Explore your dream home in the vibrant Pine Glen Community of St. Cloud! This unique opportunity allows you to own the sought-after Eastham floor plan from the Estate Collection, built in 2022. Pine Glen, a solar community, offers an array of amenities, including a picnic area, dog park, playground, basketball court, soccer field, and pickleball court, all within a thriving neighborhood. This single-story ranch home features a spacious and practical design with 4 bedrooms and 3 baths. The private Owner’s Suite provides a serene retreat with a separate shower, soaking tub, and a generous walk-in closet, plus direct access to the laundry room. The split bedroom layout ensures privacy for all. At the heart of the home lies the gourmet kitchen, perfect for hosting family and friends. It showcases an oversized island, designer cabinetry, stone countertops, and stainless steel appliances. The open-concept design seamlessly integrates the kitchen, dining room, and living room, ensuring both elegance and functionality. Outside, the private, fenced yard with a covered lanai is perfect for outdoor gatherings and relaxation. This property also features a whole home water filtration system designed to enhance energy efficiency, along with a transferable 10-year Structural Warranty, providing peace of mind for the future homeowner. Located close to shopping, dining, and outdoor recreation, this home is just a short drive from Lake Tohopekaliga and Lake Nona, ideal for water enthusiasts. With no CDD fees, this property is an exceptional find. Don’t miss your chance to make this stunning home your own. Schedule a tour today and experience premier living in Pine Glen Community!
Source: STELLAR #o6219596
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6219596
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: #o6219596
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.