637 Bluehearts Trl Deland, FL 32724
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About this home
Seller is Motivated !!!!! Closing costs incentive from Seller available!!! Beautiful DR Horton home in Victoria Trails with a lot, backing to a large pond. This is the Destin model. This 4- bedroom, plus office, plus den/flex room, boasts a little under 3,000 sqft of heated living space. SOLAR PANELS INCLUDED!!!! After entering the front foyer, you will notice the formal dining room, flex room, or entry hall on your left. The floors in the main areas have recently been upgraded to tile, which flows throughout the open floorplan, until reaching the bedrooms where it blends nicely with the carpet. The kitchen, an entertainer's delight, has granite countertops, newer appliances, lots of cabinets, walk-in pantry, but best of all, the bar area is open to the Livingroom. Enjoy the morning sunrise from the back screened porch or on the paver patio while looking out to the pond from within your fenced yard. Back inside, the split floorplan offers the primary suite with views of the backyard, the oversized primary bedroom offers a tray ceiling and leads into the bathroom, which has a large closet, separate vanities, bathtub, tiled shower, and private toilet room. Across from the living room, you will find the other 3 bedrooms, 2 bathrooms and a flex room. Two of the bedrooms share a bathroom and have built-in closet shelving. The inside laundry room includes a storage shelf and leads into the 3-car garage. This neighborhood is part of golf-cart friendly Victoria Park, with a low HOA, which includes: 2 heated pools, playgrounds, fitness centers, parks, trails, pickleball courts, community events, reclaimed irrigation water, and a cable/internet package! Make your appointment to see this wonderful home!!!!
Source: STELLAR #O6348166
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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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