1235 Giralda Cir NW, Palm Bay, FL 32907
3 beds · 2 baths · 1,035 sqft sqft
Welcome to your dream home, where modern comfort meets inviting charm. This beautifully updated residence features a fresh exterior paint job and stylish new lighting that enhance its curb appeal. Enjoy peaceful evenings on the screened-in patio, perfect for outdoor relaxation. Inside, the freshly painted interior greets you with vaulted ceilings and a thoughtfully designed split floor plan, providing both privacy and openness. New luxury vinyl plank flooring flows seamlessly through the main and wet areas, adding a contemporary touch. The updated kitchen is a true highlight, featuring newer cabinetry, gleaming granite countertops, and stainless steel appliances—perfect for both everyday cooking and entertaining. The master bedroom boasts vaulted ceilings and an en-suite bath with a newer vanity, granite countertops, and modern lighting for a touch of luxury. Each bedroom is equipped with new carpet and ceiling fans, ensuring comfort throughout. The guest bathroom also features a newer vanity with granite countertops and updated lighting, making it both functional and stylish. Completing this lovely home is a garage that has been freshly painted, providing a clean and welcoming space for your vehicles or storage. This charming home is move-in ready and waiting for you to create your own memoriesdon't miss the opportunity to make it yours!
Source: BREVARDMLS #1027590
Interest rate and monthly payment estimated based on public records.
Source: BREVARDMLS #1027590
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: #1027590
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.