439 Gardendale Cir SE Palm Bay, FL 32909
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About this home
They're Not Making More: Preserve-Backed Waterfall Oasis in Monterey Cove at Bayside Lakes ***BACK ON MARKET, FINANCING FELL THROUGH*** Step through the door and let the view steal your breathâ€''soaring vaulted ceilings frame a stunning pool and preserve vistas that welcome you home every single day. This 3-bedroom, 2-bathroom retreat with versatile flex space offers 2,013 square feet of thoughtfully designed living in one of Bayside Lakes' most sought-after locations. Your sparkling pool, featuring a waterfall, becomes your personal sanctuary, surrounded by a generous screened lanai that's perfect for entertaining or quiet evenings under the stars. With the home backing to a protected preserve, you'll never have neighbors behind youâ€''just nature's tranquil soundtrack. The flex room adapts to your life: a home office for remote work, a creative studio for long-awaited hobbies, or a cozy guest room for holiday visitors. The screened entryway adds an elegant first impression. Here's the peace of mind that seals the deal: roof (2022), water heater (2022), and AC (2015) are already handled. While others are budgeting for major replacements, you'll be planning beach trips and choosing patio furniture. Those big-ticket items? Already checked off your list. Walk to the Bayside clubhouse, tennis courts, community pool, and playgroundresort-style amenities without the resort fees. This isn't just another house. It's where Florida living reaches its full potentialwhere protected preserve views, sparkling waters, and walkable convenience blend seamlessly. Morning coffee on the lanai. Afternoon dips in your private pool. Evening strolls to the clubhouse. Don't just dream about the Florida lifestyle. Come live it.
Source: BREVARDMLS #1058575
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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.