Welcome to 4221 Holstein St, a beautifully maintained home located in the growing and highly desirable area of St. Cloud, Florida. This property offers the perfect combination of comfort, functionality, and outdoor living, making it an excellent opportunity for both homeowners and investors alike. Step inside to discover a bright and inviting interior with a well-designed layout that maximizes space and natural light. The home provides a warm and welcoming atmosphere throughout, ideal for everyday living as well as hosting family and friends. Whether you're relaxing after a long day or entertaining guests, this home delivers a comfortable and practical setting for any lifestyle. The true highlight of this property is the outdoor space. The backyard has been thoughtfully upgraded with an extended paver area, creating the perfect setting for outdoor gatherings, barbecues, or simply enjoying Florida’s beautiful weather. The above-ground pool adds a fun and refreshing touch, making it a great place to cool off during the hot summer months and create lasting memories with family and friends. In addition, the screened-in back porch provides a versatile space to relax and unwind year-round. Whether you're enjoying your morning coffee, reading a book, or hosting a casual get-together, this covered and screened area allows you to enjoy the outdoors comfortably without worrying about bugs or the elements. Located just minutes from local schools, shopping centers, dining options, and major roadways, this home offers both convenience and accessibility. St. Cloud continues to grow rapidly, making this an ideal time to secure a property in a thriving community with strong long-term potential. If you are looking for a home that combines indoor comfort with standout outdoor features, 4221 Holstein St is one you don’t want to miss. Schedule your private showing today and come experience everything this property has to give.
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
