42 Westglen Ln Palm Coast, FL 32164
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About this home
Immaculate Seagate-built Willow model located in the desirable Pine Lakes neighborhood! This move-in ready 2021 concrete block home showcases timeless design, elegant finishes and thoughtful upgrades throughout. This light-filled, open-concept layout is enhanced by vaulted ceilings and stunning ceramic faux wood tile flooring in the main living areas. The gourmet kitchen features quartz countertops, stylish backsplash, white cabinetry, and stainless steel appliances. The luxurious owner’s suite feels like a retreat with plush carpet, two spacious walk-in closets, and a spa-like primary bathroom, complete with a custom L-shaped dual-sink vanity topped in quartz. A flexible bonus room with closet provides the perfect space for a home office, den, or fitness room. Enjoy Florida living on the extended covered lanai with a 6-inch concrete slab and retractable windproof awning; ideal for relaxing or entertaining. Washer and dryer are conveniently set on pedestals in the laundry room, offering extra storage space. The large partially fenced backyard is perfect for a future pool. Additional upgrades include $5,000 in designer lighting, hurricane-rated windows, whole-house water filtration and softener, irrigation system, Blink and Ring cameras, and more. Close to parks, golf, shopping, and just minutes to Flagler Beach. Experience a home that’s far from average, crafted for those who value quality, care, and style in every detail.
Source: STELLAR #FC313528
Loan details
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Close stress-free in 45 days, handled start to finish by Roam.
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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.