6699 Alder Rd, Harmony, FL 34773
4 beds · 3 baths · 2,361 sqft
Welcome to your dream home in the prestigious community of Harmony West! This exquisite two-story residence boasts 4 spacious bedrooms, 3 luxurious baths, 10ft ceilings on both floors and a host of modern interior finishes that exude elegance and sophistication. First floor features newly installed tile flooring providing a sleek and contemporary feel and a guest bedroom and full bathroom provide extra convenience. A large under stairs closet provides ample space for all your storage needs. Enjoy cooking in a gourmet kitchen with 42’ cabinets and stylish black handles, tile backsplash, an upgraded Samsung Bespoke refrigerator, quartz countertops that are complemented by a black sink faucet, and pendant lighting that enhance the modern ambiance. Step upstairs and experience comfort and convenience with a UV light HVAC system and a large laundry room complete with a sink and cabinets. Primary bedroom features a large walk-in closet, and a barn door leading into the primary bathroom which showcases brand new tile flooring, a spa-like walk-in shower and a double sink vanity with beautiful, updated light fixtures. Two additional bedrooms and a full bathroom with updated tile floors are also located on the second floor. Situated on a large corner lot with no neighbors on one side, this home offers privacy and tranquility. The enclosed back porch is perfect for relaxing, and the meticulously landscaped exterior adds incredible curb appeal. The huge backyard is perfect for hosting and entertaining! A saltwater hot tub is included for your relaxation and enjoyment. Directly across the street, you'll find a playground and dog park, ideal for family fun and furry friends. Harmony West offers an array of amenities such as a resort style pool, fitness center and clubhouse with low HOA fees, ensuring a comfortable and vibrant community life. Plus, it's just a short drive to downtown St. Cloud, shopping centers, restaurants, hospitals, banks, and Melbourne Beach. Don’t miss out on your opportunity to own a piece of paradise!
Source: STELLAR #s5106689
Source: STELLAR #s5106689
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: #s5106689