1218 Zambrana Ct, Winter Haven, FL 33884

OWNER FINANCING AVAILABLE on this 3 bedroom 2 bathroom home in the Villamar community of Winter Haven. I am the owner and I am financing this one directly to the buyer. No bank approval. No waiting on a lender decision. Terms we work out together to fit your situation. This is designed for buyers who are ready to own but the traditional loan process is not working for them. Self employed. 1099 income. ITIN. Bank statement income. Buyers rebuilding credit. I look at the whole picture not a credit score. Market rate terms, no BS loan fees. THE HOME Built in 2022 by Meritage Homes. 1506 square feet. Single story. Open floor plan that reads much bigger than the square footage suggests. Move in ready. Nothing to fix. Nothing deferred. The main living area flows from the front door through the great room to a sliding glass door that opens onto the backyard. Ceramic tile in the main areas. Carpet in the bedrooms. The kitchen anchors the room. Granite counters. Stainless steel appliances included refrigerator range dishwasher microwave. Walk in pantry that is actually a walk in pantry. The primary suite is at the back for privacy. Walk in closet. Dual sinks. Walk in tile shower. Two more bedrooms and a full bath on the other side of the home. The split floor plan works well whether you have kids roommates or you just do not want to hear anyone snoring at night. Out back you have a fenced yard with sliding door access. Space for kids dogs or a Sunday afternoon that does not involve going anywhere. Quiet cul de sac street. Because it is a 2022 build everything is still under builder era condition. Roof. HVAC. Water heater. Appliances all recent. This is not a project house. THE COMMUNITY Villamar has a resort style pool overlooking Crystal Lake. Playground. Sidewalks throughout. HOA is 54 dollars per month. Minutes from Publix and Walmart. US 27 gives you a straight shot north to Orlando or south toward Sebring. Chain of Lakes Elementary is a short walk. ABOUT THE FINANCING You bring a down payment. I hold the note. You make monthly payments to me instead of to a bank. A title company handles closing the same way it would for any traditional sale. Title insurance. Independent third party runs the paperwork. Everything recorded properly. If you want to refinance to a traditional loan in a year or two you are free to do that. No prepayment penalty. No trap. Down payments start at 25000 dollars. Terms including interest rate monthly payment