1547 Scrub Jay Ct, Deland, FL 32724
5 beds · 3 baths · 2,469 sqft
Welcome to this immaculate, gorgeous home! Situated in the beautiful community of Victoria Trails on a cul-de-sac with woods behind, be prepared to be impressed! This home boasts FIVE bedrooms and 2.5 baths, as well as an upstairs family room. This home has many upgrades: kitchen backsplash, custom blinds, ceiling fans, extended kitchen cabinetry, and crown molding. The kitchen has granite countertops, a gas range, a pretty backsplash, and rich, deep cabinets with a walk-in pantry closet and stainless steel appliances. The spacious living room will accommodate large gatherings easily. With this open plan, the chef will be part of the fun! Dining has ample space to accommodate your large family gatherings. Downstairs, there is a full bedroom/den/office with French doors and crown molding. There is a 1/2 bathroom downstairs for convenience. Upstairs is a family room perfect for TV nights or a separate space for family. The master bedroom has dual walk-in closets and is spacious to accommodate your bedroom furniture. There are 3 roomy guest bedrooms with sizeable closets. The master bathroom has dual sinks, quartz countertops, a large shower, and a separate tub and private toilet. The laundry room is conveniently located upstairs, and the washer/dryer conveys with the sale. Amenities include fitness, playground, tennis, pickleball, basic cable TV, lawn irrigation, several community pools, internet, and walking trails. Also located in a desirable school zone, near shopping, major roads, and many parks, including State Parks, the municipal airport, and Stetson University. The home may be under audio/visual monitoring. Welcome Home!
Source: STELLAR #o6261426
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6261426
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: #o6261426
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.