2059 Juno Cir, Pensacola, FL 32526
4 beds · 3 baths · 3,111 sqft
$499K! This contemporary 4-bedroom, 3-bathroom home with paid off SOLAR and an enclosed pool near Beulah is up for grabs! Buckle up because this property offers lots of extras... it features a screen-enclosed inground pool and high-efficiency, variable speed pump, 2020 roof, 2023 HVAC system, 2023 water heater, 2023 solar, and a new 200 AMP service panel. With the efficiency upgrades and the solar, your electric bill will range from $50-150/mo throughout the year. The oversized 3-car garage is a solid feature that offers ample indoor parking, potential garage gym, or lots of extra storage space. The spacious interior features a split floor plan with high ceilings and plant ledge details, ideal for showcasing artwork and family photos. Along with a large living room, there's a separate family room equipped with a built-in coffee bar and spot for a wine cooler (the current one is inoperable). The eat-in kitchen opens to the family room, offering a great view of the pool through the wall-to-wall sliding glass doors. It features a spacious breakfast bar, stainless steel appliances (smart fridge not included), and a pantry next to the laundry room. Decorative tile floors adorn the main living areas, while the carpet covers the bedrooms, dining room, and family room. The private master suite is located on its own side of the house, away from the other bedrooms and bathrooms. It offers ample space for a king bed and a separate seating area, along with a spa-like ensuite bathroom that includes dual sinks, a makeup vanity, water closet, jacuzzi tub, corner shower, and a walk-in closet. The back patio is fully screened in, providing an ideal spot for entertaining. With views of the pool and the creek behind, you’ll never want to leave.
Source: PENSACOLA #647874
Interest rate and monthly payment estimated based on public records.
Source: PENSACOLA #647874
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: #647874
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