585 Huckaba Rd E Defuniak Springs, FL 32435
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About this home
Welcome to your personal HOMESTEAD!! This 5 ACRE property is perfect for your quiet retreat or your farming and animal paradise! The property is FULLY FENCED with areas dedicated to PASTURES and GARDENS. The house is tucked neatly within mature CEDAR TREES and has a nice ramp to guide you to the SCREENED FRONT PORCH. As you enter the front door, you have a spacious FAMILY ROOM/DEN that gives access to the main LIVING AREA/DINING AREA full of natural light from the large windows. The KITCHEN is just off this area and has plenty of counter space including an enormous MOBILE ISLAND perfect for prepping food or entertaining. The hallway gives access to the INDOOR LAUNDRY ROOM, HALL BATH, AND ALL BEDROOMS. The MASTER BEDROOM AND BATH are tucked away in the very back of the hall and the bathroom has a large TILED WALK IN SHOWER. This house has multiple items needed for Handicapped individuals including a RAMP out front, consistent WOOD LAMINATE FLOORING throughout, GRAB BARS in the Master Bath Shower, and a working CHAIR LIFT in the garage. The SCREENED BACK PORCH allows you to sit and watch the garden grow and the animals graze. Along with a rabbit proof garden, there is a larger garden area with BUILT IN IRRIGATION off the side of the house. There is a TEE PAD with a NET for practicing your golf swing (because you know you need it). MULTIPLE OUTBUILDINGS make life easy with farm equipment and has a GARAGE DOOR OPENER for the tractor shed. Pastures have a HINGED GATE to allow movement from one pasture to the other with ease. The CHICKEN COOP HOUSE is one that any chicken would envy. Schedule your showing now and see all that this perfect property has to offer.
Source: PENSACOLA #671921
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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.