213 CARYOTA CT, New Smyrna Beach, FL 32168
Discover your perfect oasis in the sought after neighborhood of Venetian Bay! This beautifully maintained 3-bedroom, 2-bathroom home built in 2019 offers an open and airy floor plan that is ideal for both relaxation and entertaining. As you enter you will be greeted by the picturesque views of the pond right from your living space, creating a serene and peaceful atmosphere. The well appointed kitchen flows seamlessly into the living area and is sure to delight any chef with its large island, gorgeous stone counters, generously sized pantry, and ample cabinet space. The living area is enhanced by large windows, allowing an abundance of natural light to pour in, and fresh paint, creating a warm and welcoming space. Off of the living area rests the spacious primary bedroom featuring upgraded LVP flooring, a large en-suite bathroom and an expansive walk-in closet, providing the ultimate comfort and convenience. The thoughtful split bedroom floor plan ensures privacy and comfort for all family members and guests. With smart home capabilities, you can effortlessly control your home's features, and security, enhancing your living experience. Other notable features are the newly added paver back patio and whole house window tinting, great for efficiency and privacy. Relish in the Venetian Bay lifestyle where residents enjoy access to a variety of amenities including multiple dining options, a luxurious spa, top rated golf course, clean and friendly gym, miles of walking trails, pickleball courts and more! Located just a short drive from the beach and the vibrant Flagler Avenue you'll have easy access to shopping, dining, and endless coastal adventures. Don't miss your chance to own this exceptional home! Schedule your showing today and start living the life you’ve always dreamed of!
You may be able to put down less than the total down payment amount of $177,192 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #v4938039
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.