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820 Shell Ln, Longwood, FL 32750
3 beds · 3 baths · 2,032 sqft
Get a free consultation call with an expert in the mortgage assumption process.
BACK ON THE MARKET due to the buyer’s contingent home sale did not go through. Welcome to Crystal Creek, the warm and friendly community in Longwood! This beautifully updated 3 Bedroom 2.5 Bath plus LOFT home is move-in ready and ideal for your family. Inside, you'll find wood laminate floors, soaring vaulted ceilings, and a versatile loft space that can easily be converted into a 4th bedroom. Situated in the esteemed Seminole County school district, serving Highlands Elementary, Greenwood Lakes Middle, and Lake Mary High, this home offers the convenience of neighborhood school bus stops along with easy access to major highways and shopping. This home has been freshly painted inside and out, with new sod and mulch adding to its inviting curb appeal. Recent updates include stylish new fan lights and mirrors throughout the living room, kitchen, dining room, master bedroom, and bathrooms, as well as modern lighting, soft new carpeting, and sleek vinyl flooring. The roof has been cleaned, sprinklers are in working order, and a new water heater has been installed. Enjoy a screened-in porch, along with new appliances like a microwave, exhaust fan, stove, dishwasher, and smoke detectors, making this home truly move-in ready. With community amenities such as a playground, basketball court, and tennis courts, this home offers everything you need to feel right at home! New exterior and interior paint (2024), New smoke detectors (2024), Fresh sod (2024), New lighting (2024), Soft new carpeting (2024), New vinyl flooring (2024), New water heater (2024), Rescreened Enclosure (2024), New appliances (2024), including a microwave, exhaust fan, stove, and dishwasher.
Source: STELLAR #O6243668
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 #O6243668
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 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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.