1184 Witshire Ct, Fort Walton Beach, FL 32547
4 beds · 3 baths · 2,001 sqft
The perfect blend of comfort, convenience, and space! This move-in-ready 4-bedroom, 3-bath home is centrally located between Hurlburt and Eglin AFB, making it ideal for those seeking an easy commute. Plus, with the hospital just across the street and a beautifully maintained park only steps away, you'll have everything you need right at your fingertips.Step inside to discover a thoughtfully designed layout with warm wood flooring in the living and dining areas, durable tile in the kitchen and baths, and plush carpet in the bedrooms. The spacious kitchen is perfect for home chefs, featuring ample counter space, a breakfast bar, and a cozy nook for casual dining. Whether you're entertaining guests or enjoying a quiet meal, this space offers both function and charm.The primary suite is conveniently located on the main floor, providing privacy and ease of access, while three additional bedrooms are upstairs, including a bonus room over the garage, adding valuable extra square footage. This versatile space is perfect for a home office, playroom, or media roomwhatever suits your needs. Outside, the yard offers plenty of space for gardening, grilling, or relaxing under the stars. The neighborhood park is just a short stroll away, offering a peaceful retreat to unwind and enjoy the outdoors. With a roof replaced in 2019 (buyer to verify all measurements), this home is well-maintained and ready for its next owner. Don't miss out on this incredible opportunity! Schedule your private showing today and see why this home is the perfect fit for you.
Source: EMERALDCOAST #971463
Financials
Source: EMERALDCOAST #971463
Source: Public records
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%. 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.
Other resourcesWhat 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.