764 Sarner Pass Way, Winter Haven, FL 33881
4 beds · 2 baths · 1,989 sqft
Welcome to your new home at 764 Sarner Pass Wy., Winter Haven, FL 33881. This newly constructed residence boasts 1,983 square feet of modern living space, featuring 4 bedrooms and 2 bathrooms, perfect for both comfort and functionality. Step inside to discover a triple split floor plan that ensures privacy and space efficiency. The gourmet kitchen is a chef's delight, equipped with stainless steel appliances, granite countertops, and a striking quartz island, ideal for meal preps and gatherings. High ceilings throughout the house amplify the sense of space, complemented by durable vinyl plank flooring for a sleek look. The primary suite is a true retreat, designed with a dual-sink vanity and a walk-in shower, offering a spa-like atmosphere for relaxation. Additional features include a high-efficiency solar system, capable of generating enough power for the entire home, reducing your utility costs. The home also comes with a water purification system, an electric vehicle charger, and a serene covered patio, perfect for unwinding and outdoor entertainment. Located in a vibrant community, your new home is conveniently near essential amenities for your everyday needs, and quality education opportunities. Leisure is just a short stroll to Hidden Golf Club Retirement Community as well as Lake Henry where you can use your boat or jet sky. This property not only offers a luxurious living experience but also practical solutions tailored to an eco-friendly lifestyle. Make 764 Sarner Pass Way. you're forever home and enjoy the blend of functionality, style, and sustainability in one of the fastest growing cities in FL. Potential buyer can assume the mortgage at 4.875%.
Source: STELLAR #o6205020
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6205020
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: #o6205020
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.