817 Carlton Ct, Winter Haven, FL 33884
4 beds · 3 baths · 2,604 sqft
BRAND NEW ROOF~NOVEMBER 2024; ensuring peace of mind for years to come!! This charming four-bedroom, two-and-a-half-bath home is nestled in the desirable Southeast Winter Haven community of Lake Eloise Place. A quaint neighborhood with a low HOA fee that offers the perfect balance of comfort and convenience. The spacious interior boasts over 2600 square feet and features a thoughtfully designed layout with a split bedroom plan, a large kitchen with ample counter space, and a cozy dining area perfect for gatherings. The spacious primary suite includes his and her walk in closets, private en-suite bath with walk in shower, large tub, & dual vanities. The three additional bedrooms are located on the opposite side of the house and are generous in size providing flexibility for a large family. The additional full bathroom offers a shower/tub combo, dual vanities, and a linen closet. Another great feature is the interior laundry room with included washer & dryer and large utility sink. Once outside you will enjoy the expansive screened in patio with oversized in ground pool & conveniently located half bathroom. This home sits on a generously sized well maintained lot with irrigation system and a fenced in back yard ideal for outdoor activities or relaxing evenings. Located in a prime location between Tampa & Orlando, very close proximity to Legoland, the Chain of Lakes, local restaurants and shopping this home offers a fantastic opportunity to enjoy comfortable living.
Source: STELLAR #p4932913
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #p4932913
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: #p4932913
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.