961 Whisler Ct, Saint Cloud, FL 34769
4 beds · 2 baths · 1,798 sqft
MOTIVATED SELLER!!! Welcome to your dream home! This beautifully updated 4-bedroom, 2-bathroom home in the heart of Saint Cloud in a quiet family friendly Neighborhood with NO HOA offers the perfect blend of modern amenities and comfortable living. The home features a brand-new roof (2023) and stylish new flooring throughout. The modern kitchen boasts new cabinets and stunning stone countertops, perfect for cooking and entertaining. Enjoy year-round swimming in your saltwater heated pool (2016) with a screened enclosure, and relax on the 34' covered lanai, ideal for outdoor dining. The property includes a 27' x 20' concrete parking slab/pad, providing plenty of space for parking and storage. Energy-efficient new windows (2020) and a new AC system (2019) ensure comfort in every season, while updated plumbing (2019) and new insulation (2020) contribute to energy savings. The home also features a stylish and modern new guest bathroom (2022). A 10 ft. x 14 ft. shed, equipped with water and electric, offers perfect storage or workshop space. The property is enclosed by a 6 ft. tall privacy fence with a large 15 ft. wide entrance gate for easy access, and includes a reliable 40-gallon water heater tank (2010) and well-maintained gutters and downspouts.This home is a true gem, offering both functionality and Beauty. The spacious layout, combined with modern updates and thoughtful features, makes it a perfect choice for families and entertainers alike. Don't miss out on this opportunity to own a piece of paradise in Saint Cloud, Florida. Contact us today to schedule a private tour and see all that this beautiful home has!
Source: STELLAR #s5109681
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #s5109681
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: #s5109681
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.