4499 Water Leaf Cv Gulf Breeze, FL 32563
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About this home
Welcome to this newer construction Craftsman-style home, a true gem blending timeless design with modern comfort. Assumable VA loan options with qualified Buyer!! The Hardie board exterior delivers both durability and curb appeal, while inside, you'll find 5 spacious bedrooms and 3 full baths. Step inside to an inviting open-concept living space with LVP floors and custom-built wainscoting paneling that define the Craftsman aesthetic. The kitchen is a conveniently central to the living space - complete with an island breakfast bar, granite countertops, stainless steel appliances, an undermount sink, smooth-top range, quiet dishwasher, and a generous pantry. Adjacent to the kitchen, the dining area offers the perfect setting for gatherings. With two living spaces - one upstairs and one down - there's room for everyone to spread out. The primary suite is on the second level in a tranquil retreat with a large walk-in closet. The ensuite bath is a spa-like oasis with dual vanities, garden tub, and separate shower. Three additional bedrooms and a full bath share the second level, while a first-floor guest suite and bath offer ideal separation for visitors and multi-generational living. The backyard offers an extended patio space with a privacy fenced in sanctuary, and a portable hot tub that conveys. For storm protection and wind mitigation insurance credit, this home comes with FabricShield hurricane protection and is located in the desirable Flood Zone X (no flood ins required). Enjoy the freedom of no HOA, giving you the flexibility to make this home truly your own. Other great amenities include upgraded fixtures, updated mirrors in all bathrooms, Smart Home "Connect" System which includes your video doorbell, keyless entry, and fabric hurricane window protection. All of this and located in East Gulf Breeze (Midway) just minutes from Pensacola Beach, Navarre Beach, Hurlburt Field AFB, Eglin AFB, NAS Pensacola, medical facilities, restaurants, and so much more!
Source: PENSACOLA #673080
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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.