3990 Song Bird Way Milton, FL 32583
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About this home
Discover this stunning 3-bedroom, 2.5-bathroom brick home that exemplifies modern living with an open concept split-floor plan located in Yellow River Ranch. Enjoy the community amenities including a sparkling community pool just a short walk away, with brand-new pickleball and tennis courts currently under construction. The layout promotes functionality & ease of movement through the generously proportioned living spaces. Upon entering, you are welcomed by a spacious living area that seamlessly flows into the dining space, bathed in natural light from ample windows. This environment fosters both casual & formal entertaining. The kitchen features a large island perfect for meal prep or casual dining. Additionally, quartz countertops and 42" cabinets provide both style and practicality, with an eat-in kitchen available for more intimate gatherings, alongside a separate dining room that enhances entertaining flexibility. The primary suite is a haven of comfort, showcasing a trey ceiling and a large walk-in closet equipped with supplementary shelving for optimal organization. The accompanying ensuite bathroom features a luxurious walk-in shower and a double vanity with quartz countertops, designed for convenience and relaxation. Additional updates include a modernized laundry room with a sink, cabinets, a subway tile backsplash, and extra shelving for enhanced usability. The home also boasts engineered hardwood flooring in the primary bedroom, ceiling fans for comfort, and blinds throughout. Outside, enjoy the tranquility of a screened in porch, perfect for outdoor gatherings, and the upgrades also include gutters for improved drainage. This beautifully maintained property is not just a house; it's a place to call home, combining comfort and style in a desirable Milton location.
Source: PENSACOLA #670644
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FAQs
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.