961 WHISLER CT, Saint Cloud, FL 34769
Welcome to your dream home! This beautifully updated 4-bedroom, 2-bathroom home in the heart of Saint Cloud, Florida, 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!
You may be able to put down less than the total down payment amount of $48,990 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #s5109681
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.