57 S Pleasant Dr Defuniak Springs, FL 32435
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About this home
Welcome to 57 S Pleasant Drive -- a spacious 4-bedroom, 2-bath brick home in the desirable Pleasant Ridge Estates.Set on a generous half-acre lot, this 2,110 sq ft residence features a split floor plan designed for both comfort and functionality. The solid brick exterior provides timeless curb appeal, while the 2-car garage adds convenience with secure parking and extra storage.Inside, you're welcomed by a sitting area adjacent to the foyer, perfect for relaxing or greeting guests. The home also offers a flexible 4th bedroom that can double as an office, giving you options to fit your lifestyle. The heart of the home is the open-concept kitchen and living area, where a breakfast bar, abundant counter space, and ample cabinetry make cooking and entertaining effortless. A formal dining room provides the ideal setting for family meals or special occasions. The large master suite is a true retreat, complete with a spacious bath and private access to the back patio. The laundry room is thoughtfully designed with ample shelving and storage and features a direct entryway from the garage for everyday ease. Outdoors, the expansive .50-acre lot offers endless possibilities from adding a pool or garden to creating outdoor entertaining areas. The generous yard ensures both privacy and space to spread out. Located in Pleasant Ridge Estates, the neighborhood has an HOA feel without the fees offering well-kept surroundings, a peaceful atmosphere, and the convenience of being close to schools, shopping, and local amenities. 57 S Pleasant Drive is ready to welcome you home offering comfort, space, and the flexibility to fit your lifestyle.
Source: EMERALDCOAST #986365
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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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