7438 Floral Cir W, Lakeland, FL 33810
4 beds · 3 baths · 2,093 sqft
PRICE ADJUSTMENT! This stunning home offers the perfect blend of comfort, style, and functionality. With thoughtful upgrades and a prime location, it’s everything you’ve been searching for! Key Features: * Long Driveway Space to park at least 4 cars * Roof replaced in July 2022 for peace of mind. * Luxury vinyl plank flooring added to all common areas, ½ bath, master bedroom, and both master closets for a modern, sleek look. * Septic 1050 gallons pumped, swept, filter, resealed with concrete on Dec 2 2024 * Floor Tile professionally cleaned and sealed on Jan 2, 2025 * New 2nd bath Shower * 2 dinning rooms * Flex room with 1/2 bath and walk in closet can be used as 4th bedroom, office, playroom, entertainment room, etc. * Spacious split floor plan: Enjoy privacy in the master retreat while offering comfort and convenience for family or guests. * Walk in closets in every bedroom, masters has 2 walk in closets * Fully fenced backyard: Ideal for hosting gatherings, playing with pets, or relaxing under the stars. * Covered large back porch: A perfect shaded spot to unwind and savor the Florida sunshine. * Access to covered lanai through the 2nd bath, Master Bedroom and Living room. * Large lot 85 x 120 Unbeatable Location: Nestled between Tampa and Orlando, this home offers the best of both worlds—peaceful suburban living with easy access to major cities. Grocery stores, shopping, restaurants, schools, entertainment, Golf course, top-notch medical facilities and more are all just minutes away. This home is move- in ready while still offering room for your personal renovation touches. Don’t miss the chance to make this tropical oasis yours! Schedule your private tour today and experience the perfect combination of space, style, and convenience firsthand. *Property is under video and audio surveillance.*
Source: STELLAR #O6234704
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 #O6234704
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 of Equal Opportunity Act.