127 Windsor Pl, Gulf Breeze, FL 32561
4 beds · 3 baths · 3,067 sqft
Get a free consultation call with an expert in the mortgage assumption process.
This remodeled home offers over 3,000 square feet of living space in the heart of Gulf Breeze, making it the BEST deal within city limits. Nestled on a peaceful cul-de-sac, it’s ideally located with quick access to restaurants, shopping, and the excitement of downtown Pensacola. Perfect for families or those who just love to entertain, this spacious property features a large, open living area that flows seamlessly into a gourmet kitchen. The split-plan layout includes a private owner’s suite with its own private entrance, updated bathrooms, and ample room for everyone. The home was thoughtfully remodeled in 2017 and has received additional updates between 2018-2021, and freshly painted, ensuring it’s move-in ready for your family. Step outside to your own private retreat, featuring a covered lanai overlooking a screened saltwater pool, surrounded by vibrant fruit trees. Whether you're relaxing by the pool or entertaining guests, this backyard oasis offers the perfect setting. Need additional storage or workspace? A spacious 20x40 metal building with electrical wiring and roll-up doors is ideal for storing boats, RVs, or any other equipment you may need to house. Hurricane rated 150 mph. Enjoy sustainable living with a state-of-the-art 32Kw solar system and 10Kw battery backup (paid off), dramatically reducing your energy costs. Modern amenities throughout the home include a newer A/C system, tankless water heaters, updated electrical systems, fresh paint in the bedrooms, a newer roof, and impact-rated windows for added efficiency and peace of mind. Located less than 5 minutes from the schools, just moments from the pristine beaches of Pensacola, and within earshot of the thrilling Blue Angels performances, this property is an ideal family home or rental investment. Don't miss the opportunity to own this incredible property that combines comfort, convenience, and value.
Source: PENSACOLA #646013
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: PENSACOLA #646013
To qualify, you must meet the current FHA or VA 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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 and Equal Opportunity Act.