Option 4: WRAPAROUND LOAN WITH SUBSTANTIAL DOWN PAYMENT 330k down payment with 319k wrapped loan at 3.25 interest rate = 649k. Negotiable. ALL credit OK! NO INCOME VERIFICATION. YOUR DOWN PAYMENT IS YOUR QUALIFICATION! Did you miss the low-interest loan frenzy a few years ago? If so this opportunity may be for you. Elementary school, community swimming pool, park, playground, trail, and dog park are a 5-minute walk away. The entire home contains hardwood flooring, tile, and NO CARPET! Located on a serene 0.33-acre lot, this charming dream home offers a perfect blend of comfort and elegance. As you approach the property, a well-manicured lawn, and beautifully landscaped shrubs and roses greet you, providing a warm and inviting first impression. The house's exterior features a tasteful mix of brick and siding, with large windows that allow natural light to flood the interior. Upon entering, you are welcomed into a spacious dining room with a glorious lead crystal chandelier that leads into an open-concept living area. The living room has a cozy fireplace and hardwood floors that flow seamlessly into the modern kitchen and breakfast area. The kitchen has stainless steel appliances, an electric new range, a natural gas range hookup is also available, granite countertops, a copper sink, and ample cabinet space, making it a chef's delight. The home boasts two stories and five generous bedrooms, each with its own unique character and plenty of closet space. The game room showcases a custom entertainment center with an electric fireplace for those memorable nights. The master suite is a true retreat, featuring a walk-in closet and an en-suite bathroom with a soaking tub, separate shower, and dual vanities. The additional bedrooms share a well-appointed bathroom, perfect for family or guests. The backdoor leads to a spacious resort-style elevated back porch equipped with a large Dr. Wellness G-14 Tranquility Spa - Hot Tub with 100 jets, LED therapy Lights, 5 seats and Bluetooth water-resistant audio, a natural gas outlet for barbeque fixtures, and a staircase that leads to a nature lover' paradise. The backyard is a private oasis with 25 feet of architectural circular stone landscape planters, and a premium drip irrigation system that feeds a vast area of edible vegetation which includes 3 plum trees, 2 apple trees, 2 peach trees, 2 pear trees, 1 orange tree, 1 lemon tree, 1 nectarine tree, 1 black mulberry tree, 1 olive tree, blackberry vines, black muscadine grape vines, and white grape vines. Other vegetation includes a spectacular circular rose garden, tulip tree, magnolia tree, mesquite tree, 9 cypress trees, moringa tree, and mature oak tree which offer a perfect blend of sun and shade throughout the day. Additional amenities include a three-car garage, a Ductless Mini Split AC System, an Aquasana Whole House Water Filtration System w/ UV light, a laundry room with extra storage, and a garage entrance mud room. The kitchen, laundry, mud room, and bathrooms contain tile flooring. There is plenty of space for a potential swimming pool. This home, set on a picturesque oversized lot, provides a perfect combination of privacy and community, making it an ideal place for a home. Feel free to schedule an appointment for a showing or watch a virtual tour of this charming home!