5540 Forest Hills Ln Milton, FL 32570
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About this home
Country Charm Meets Modern Comfort on 1.72 Acres. Welcome to your slice of country living — where peaceful mornings, wide-open spaces, and modern conveniences come together beautifully! This 4-bedroom, 3.5-bath home offers the perfect blend of rustic charm and thoughtful updates. Step inside and you’ll find a spacious, light-filled floor plan with room for everyone. The main-floor primary suite provides a cozy retreat, while the oversized bedroom above the garage — complete with its own full bath — is perfect for guests, teens, or even a private home office. There are also the 2 additional bedrooms at the top of the main staircase that are identical in size and share a full bath between. Love to cook? You’ll fall for the beautiful country kitchen, featuring a cheerful breakfast area and a formal dining room that’s ready for family dinners or holiday gatherings. Outside, you’ll find plenty of space to breathe — from the large covered front and back porches that are perfect for sipping sweet tea, to the generous yard where there’s room to garden, play, or simply unwind. And don’t worry — the big-ticket updates are already taken care of! New roof (2021) Two new HVAC units (2021) Impact-resistant windows (2024) Solar panels (detached, reducing your electric bills considerably!) Fiber internet for fast, reliable connectivity. Whether you’re looking for a peaceful retreat, a place to host friends and family, or a home where modern efficiency meets country charm, this one checks all the boxes.
Source: PENSACOLA #669980
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Close stress-free in 45 days, handled start to finish by Roam.
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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.