646 4th St
Polk City, FL 33868
5 beds · 3 baths · 2,160 sqft
$269,000
Get prequalified646 4th St
Polk City, FL 33868
5 beds · 3 baths · 2,160 sqft
$269,000
Get prequalifiedWelcome to a spacious and thoughtfully upgraded 2020 built mobile home offering comfort, convenience, and room for everyone. With 5 bedrooms and 3 full bathrooms spread across 2,160 square feet, this home blends functionality with modern touches, making everyday living that much easier. The open floor plan invites natural light throughout the main living spaces, making it ideal for hosting guests or enjoying cozy nights in. The primary bedroom features ample space and privacy, paired with a well-appointed ensuite bathroom. Four additional bedrooms provide flexibility for home offices, childrens’ rooms, or guest accommodations—finally, a place for everyone and everything. Outside, enjoy a generously sized lot, giving you room to stretch out, plant a garden, or even set up weekend cornhole tournaments. A large storage shed out back helps keep your tools, bikes, or seasonal items neatly organized and easily accessible. This home’s construction shines with solid quality and a variety of thoughtful upgrades throughout. It's designed for long-term comfort and durability, offering peace of mind while keeping style in the spotlight. Nearby, you’ll find the scenic Van Fleet State Trail just a short walk away, perfect for cycling, walking, or embracing your inner nature enthusiast. When it’s time to restock the pantry, a short drive brings you to a popular grocery store for all your essentials.
Source: STELLAR #P4935264
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.