6396 Churchill Cir Milton, FL 32583
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About this home
Seller has a VA assumable loan. Welcome to this spacious and well-maintained home, perfectly designed for comfortable living and entertaining. Situated on a desirable corner lot, this property offers generous storage and living space throughout. Step inside to find wood-look rolled vinyl flooring extending through the main living areas, creating a cohesive and low-maintenance flow. The open-concept living and kitchen area is the heart of the home—ideal for family gatherings, celebrations, and everyday living. A downstairs flex room offers a great space for a home office, study, or playroom, providing the versatility you need. Upstairs, you'll find a large secondary living area—perfect for a kids’ retreat, game room, or guest space. The oversized primary suite features a spacious layout, a luxurious en-suite bathroom with double vanity, private water closet, and a large walk-in closet. Three additional upstairs bedrooms offer ample room for family or guests. For added convenience, there's a downstairs bedroom located next to a full bathroom—ideal for multi-generational living or overnight visitors. Outside, enjoy summer evenings under the expansive gazebo, perfect for outdoor dining or entertaining. The fully fenced backyard with a double gate provides privacy and accessibility, while the corner lot location offers added convenience and curb appeal. This home checks all the boxes—space, function, and style—all in a location that’s easy to love.
Source: PENSACOLA #663917
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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.