6750 Winterset Gardens Rd, Winter Haven, FL 33884
3 beds · 2 baths · 1,874 sqft
Get a free consultation call with an expert in the mortgage assumption process.
MOTIVATED SELLERS. WELCOME to Winterset Gardens! Discover your dream home on the picturesque shores of Lake Winterset, part of the renowned Chain of Lakes in Winter Haven, connecting you to 24 other lakes! This beautifully updated 3-bedroom, 2-bath residence offers a perfect blend of modern convenience and lakeside charm. The kitchen was completely renovated in August 2019, featuring new cabinets, elegant Quartz counters, and stainless steel appliances—creating a stylish and functional space for both cooking and entertaining. The master bedroom and bath were newly updated in 2024, providing a fresh, modern retreat. Throughout the home, you'll find fresh paint and durable vinyl plank flooring, giving the interior a cohesive and updated look. New hurricane windows installed in 2013 ensure both safety and energy efficiency. Your private oasis awaits in the backyard, where a screened lanai with a built-in swimming pool invites you to relax and enjoy Florida living. The pool features a new saltwater tank installed, resurfaced and new tiles installed in 2019, offering low-maintenance enjoyment. The front porch, built in 2017, adds charm and curb appeal to the home. Additionally, the garage door, hot water tank, well tank, and electric panel were all updated in 2024, ensuring worry-free living. Sellers will pay off the solar panel lease at closing with full price purchase. This home is truly move-in ready, with all the hard work already done. It’s just waiting for the perfect family to make it their own! Don’t miss your chance to live on Lake Winterset—schedule a showing today!
Source: STELLAR #P4931474
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 #P4931474
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.