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380 Niblick Cir, Winter Haven, FL 33881
3 beds · 2 baths · 1,603 sqft
Welcome to The Gates of Lake Region, a beautifully manicured and highly desirable community offering tranquil living in a prime location. This thoughtfully designed Arthur Rutenberg home features 3 bedrooms, 2 bathrooms, and an open floor plan perfect for both everyday living and entertaining. Step into the spacious great room with warm wood laminate flooring and sliding doors that lead to a screened lanai—ideal for enjoying Florida’s beautiful weather. The open-concept kitchen boasts a breakfast bar and cozy eat-in dinette area, making it the heart of the home for family gatherings and casual meals. The master suite is a private retreat with direct access to the lanai and a luxurious en-suite bathroom featuring a walk-in closet, dual sinks, and a tiled walk-in shower. The second bedroom is currently set up as a home office, offering flexibility to suit your lifestyle. Additional highlights include a two-car garage, durable tile roof, irrigation system, and scenic community ponds with fountains that add to the neighborhood’s charm and serenity. This quiet, quaint community is located just across from the Winter Haven Golf & Country Club and is close to everything—shopping, dining, and the excitement of Legoland Florida. Plus, a brand-new Publix grocery store is coming soon, just a 5-minute drive away! Ideally positioned between Tampa and Orlando, this home offers both comfort and convenience in one perfect package.
Source: STELLAR #P4934969
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 #P4934969
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.
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.
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