4 Westmoreland Dr Palm Coast, FL 32164
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About this home
Welcome to 4 Westmoreland Drive – a beautifully maintained 4-bedroom, 3-bathroom pool home on an oversized corner lot of more than half an acre. Perfectly blending comfort, upgrades, and functionality, this property is move-in ready and stands out as one of the best values for a double lot in Palm Coast. The thoughtfully designed split floor plan offers privacy and versatility, featuring an open layout with a formal dining room, two living spaces, and a spacious kitchen complete with island seating and ample cabinetry. A full bathroom conveniently opens to the screened, solar-heated saltwater pool—ideal for entertaining or enjoying Florida living year-round. The covered lanai provides the perfect spot to relax outdoors, while the fully fenced oversized backyard showcases mature landscaping, a circular driveway, and a 10x20 storage shed less than a year old. Inside, upgrades abound: no carpet throughout, a smart home system with cameras, a new water heater, water softener, and UV air purification for improved air quality. The oversized garage offers overhead storage, laundry area with washer/dryer, and utility sink. The primary suite includes dual walk-in closets, double vanities, soaking tub, and walk-in shower. Major updates include a 2021 roof, giving peace of mind for years to come. This home is also being offered furnished, if desired. Even better, it includes an assumable VA loan at only 3% interest—a rare and valuable opportunity in today’s market. Motivated seller—taking offers now. Don’t miss your chance to own this gorgeous, upgraded home with exceptional value and financing potential!
Source: STELLAR #FC311740
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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.