4335 White Cedar Ct Milton, FL 32571
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About this home
Assumable VA Loan for qualified buyer!! Welcome to this stunning 5-bedroom, 3-bathroom home nestled in the desirable community of Pace, Florida. This spacious residence offers the perfect blend of comfort and elegance, making it ideal for families and those who love to entertain. As you step inside, you'll be greeted by a bright and inviting open floor plan that seamlessly connects the living, dining, and kitchen areas. The generous living room features large windows that fill the space with natural light, while elegantly designed finishes create a warm and welcoming atmosphere. The gourmet kitchen is a chef's dream, boasting modern stainless-steel appliances, ample cabinetry, and beautiful countertops, perfect for preparing meals and hosting gatherings. The adjoining dining area is perfect for family dinners or entertaining guests. Retreat to the luxurious master suite, complete with a spacious walk-in closet and an en-suite bathroom featuring dual vanities, a soaking tub, and a separate shower. The additional four bedrooms are thoughtfully designed, providing plenty of space and privacy for family members or guests. Step outside to discover your own private oasis. The backyard offers ample space for outdoor activities, gardening, or simply relaxing in the Florida sunshine. Whether you're hosting summer barbecues or enjoying quiet evenings under the stars, this outdoor space is sure to impress. Located in a friendly neighborhood with convenient access to local parks, shopping, and top-rated schools, this home is perfect for those seeking a vibrant community lifestyle. Don't miss the opportunity to make this your forever homeschedule a showing today!
Source: EMERALDCOAST #976553
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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.