4385 White Birch Ct Milton, FL 32571
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About this home
Ideally located in a charming Santa Rosa County neighborhood, this community offers sidewalks, a community park with an interactive splash pad and open green space with covered seating areas. The home features 4 bedrooms, 2 baths, a covered patio, and a 2-car garage. A lovely front entry welcomes you into the foyer and leads down the hall into the light and bright living area. The open kitchen is designed with stainless steel appliances, a spacious island with bar seating, a generously sized pantry and ample counter space. The living area is open to the kitchen and dining space, allowing you to easily interact with guests or relax after a nice meal. The combination living space opens directly to the rear, covered patio, making gatherings that span indoors and outdoors a snap. The primary bedroom, located apart from the 3 additional bedrooms, includes an adjoining bath with a double vanity, large shower, and walk-in closet. The home’s additional bedrooms share a full bath and are oriented at the front of the home, assuring privacy for homeowners, generational living, and guests. The Smart Home features include keyless entry, video doorbell, automated front porch lighting, touch panel to control lighting, thermostat, entry, and more. The neighborhood has an active HOA with monthly activities, weekly food trucks and the opportunity to be involved as much or as little as you would like. At The Woodlands, you’re just a short drive from the Highway 90 corridor with shopping, dining, medical and everyday conveniences AND a short drive to I-10, which is an easy commute East towards Eglin AFB or West to Pensacola. Experience the lifestyle this community has to offer!
Source: PENSACOLA #671820
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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.
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