6430 Sedgeford Dr, Lakeland, FL 33811
2 beds · 3 baths · 1,311 sqft sqft
Move-In Ready Townhouse in Chelsea Oaks Gated Community Discover the perfect blend of convenience and comfort in this move-in ready townhouse, situated in the desirable Chelsea Oaks gated community in South Lakeland. With easy access to I-4, you'll enjoy quick commutes to both Tampa and Orlando, making this an ideal location for busy professionals and families alike. Step inside to an open concept living space that seamlessly connects the kitchen, dining, and living areas, perfect for entertaining and everyday living. The modern kitchen boasts stainless steel appliances, granite countertops, and elegant crown molding, providing a stylish and functional space for all your culinary adventures. A convenient half-bath on the main floor adds to the home's practicality. Upstairs, you’ll find spacious bedrooms and well-appointed bathrooms designed for comfort and relaxation. The primary bedroom offers a peaceful retreat with ample closet space and a luxurious bathroom. Additional bedroom provides plenty of room for family, guests, or a home office. Outside, enjoy your morning coffee on the back patio or take a leisurely walk to the community pool and gym. With lawn maintenance and all exterior included the HOA, you can spend more time enjoying the amenities and less time on upkeep. The attached single-car garage provides added convenience and storage space. Ready for its new owner, this townhome offers a hassle-free lifestyle Conveniently located near Shepherd Road's Publix shopping center, with Walmart and the Polk Parkway just minutes away, this home offers the ideal blend of tranquility and accessibility. Schedule a private tour.
Source: STELLAR #l4946628
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #l4946628
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: #l4946628
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.