4376 White Cedar Ct Milton, FL 32571
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About this home
Sellers will consider helping with a rate buy down or closing costs with acceptable offer. Looking for a true sense of community that's walkable and convenient to schools, shopping and major highways? Welcome to the Woodlands - a neighborhood that blends a friendly, neighborly feel with accessible green space and modern convenience. This 2023-built, 4 bedroom, 2 bathroom home is tucked deep within the community, offering a peaceful setting away from busy streets. Enjoy the benefit of a builder's warranty with 8 years remaining giving you added peace of mind. The public school system is within 3 miles with a bus stop right outside your front door for easy commuting to elementary school. The owners have thoughtfully added a privacy fence enclosing a wide-open backyard, complete with double gate entry- perfect for a golf cart or storing your other recreational toys. Inside, the home is equipped with Smart Home Technology to meet today's tech-savvy lifestyle, including Kwikset keyless entry, Skybell doorbell, automated front porch lighting, Echo Dot device, and a Quolsys touch panel that allows you to control your lighting, thermostat, and front door from one central location. Enjoy the outdoors with a quick stroll to the community park, which features an adaptive playground, splash pad, running trail, covered pavilion, and plenty of green space for picnics, games and gatherings with friends. Come see why the Woodlands offers more than just a home - it offers a lifestyle!
Source: PENSACOLA #668957
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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.