14298 Beach Heather Ct, Pensacola, FL 32507
2 beds · 3 baths · 1,500 sqft
Discover your dream retreat in this charming three-story townhome in the Lost Key Golf and Beach Club community. This 2-bedroom, 2.5-bathroom property is fully furnished and backs up to protected land, providing serene view. This property offers a cozy living area equipped with all of the modern comforts, including a large TV in the living room to enjoy football games, family movie nights, and more. The well-appointed kitchen invites you to entertain your guests, equipped with stainless steel appliances, great island for entertaining and quartz countertops. The third floor offers your primary bedroom with an ensuite, guest bedroom, bathroom, and your washer and dryer in the hallway, making laundry a breeze. Step onto the balconies to soak up the warm Florida sunshine, enjoy your morning coffee as the sunrises or an afternoon breeze over a nightcap. The spacious garage provides adequate storage for your outdoor toys, and a climate-controlled storage. An upgraded feature to this property is the pavers added to the driveway and ground floor deck in the back providing even transition from driveway to sidewalk. As you prepare to unwind for the day, enjoy a soak in the community hot tub or pool or head over to the Gulf front Beach Club for a dip in the beachfront pool or a stroll on the beach. Enjoy access to various community amenities, including a swimming pool, golf, and tennis courts, which ensure endless entertainment options. Experience the best of Florida living in this beautiful residence - the ideal vacation rental, second home, or primary residence. Experience this great town home where relaxation and recreation await!
Source: PENSACOLA #648214
Interest rate and monthly payment estimated based on public records.
Source: PENSACOLA #648214
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 30-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: #648214
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.