1099 E De Carlo Dr, Deltona, FL 32725
3 beds · 2 baths · 1,686 sqft
Welcome to this beautifully maintained 3-bedroom, 2-bathroom home, nestled in a quiet and friendly neighborhood. Located only a short walk to a grocery store, two parks, and a nearby lake with a boat launch, it’s the perfect spot to enjoy weekend outings. This home features a 2-car garage and sits on over a quarter-acre lot, with no HOA! Inside, you’ll be greeted by stunning cathedral ceilings and a dramatic floor-to-ceiling brick fireplace. The kitchen offers ample cabinetry, sleek stainless steel appliances, and a breakfast bar that flows seamlessly into the family room, making it an ideal space for entertaining. In addition to the open concept family room, this home features a formal living room and dining room, perfect for more intimate gatherings. The refreshed master bedroom boasts a vaulted ceiling and an en suite bathroom, where the vaulted ceiling extends to create a luxurious feel. The two guest bedrooms are equally inviting, each with new fan/light fixtures. The split floor plan ensures extra peace and privacy. Step outside to your private patio and enjoy a tranquil, tree-lined backyard—perfect for relaxation. Located just minutes from I-4 and 415, this home provides easy access to shopping, dining, and more. Recent Updates: Roof (2023) AC (2024) Water Heater (2021)
Source: STELLAR #o6245851
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6245851
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
MLS ID: #o6245851
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.