1306 Heron Inlt, Pensacola, FL 32506
3 beds · 3 baths · 2,064 sqft
Welcome home to this LIKE NEW 3-bedroom, 2-bathroom home with an office/flex space, located in a gated community on a CUL-DE-SAC with a community pool! Just minutes from the base, beaches, shopping, and schools, this move-in-ready home offers everything you could want in a modern living space. As you approach the front porch, you’ll find ample room for outdoor seating and seasonal décor. Step into the foyer and be greeted by the spacious, open living, dining, and kitchen areas, designed with comfort and style in mind. The kitchen features beautiful granite countertops, a gas stove, stainless steel appliances, and LVP flooring, all paired with contemporary colors and fixtures. On the main floor, you’ll also find a guest bath and easy access to the attached garage. Head upstairs to discover generous bedrooms, including a primary suite that offers plenty of space and an abundance of natural light. The ensuite bathroom features granite counters, stainless fixtures, and a tiled walk-in shower with custom slate tile, adding a touch of elegance and luxury to the space. Additionally, the flex space upstairs—previously used as a craft/office area—can easily be transformed into a mini workout space, library, or whatever suits your needs. Enjoy the totally fenced-in backyard with a covered porch, perfect for relaxing and escaping the sun. Built in 2021, this home boasts brand-new appliances, roof, and a tankless water heater—all only 3 years old! The rare cul-de-sac location adds to the privacy and tranquility of this gorgeous home. Plus, the community offers a pool for residents to enjoy. Why wait for new construction when this move-in ready home is available now? Seller has an assumable VA mortgage for an approved VA buyer! Don’t miss this fantastic opportunity to own a nearly new home without the wait!
Source: PENSACOLA #656485
Interest rate and monthly payment estimated based on public records.
Source: PENSACOLA #656485
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: #656485
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.