213 S Keech St, Daytona Beach, FL 32114
3 beds · 2 baths · 1,229 sqft
This charming three-bedroom home offers the perfect blend of comfort, style, and convenience and is located in the heart of Daytona Beach. Just blocks from International Speedway Blvd, the area is conveniently surrounded by shopping, dining, and entertainment options. The World's Most Famous Beach is also less than three miles away. The home was renovated in 2019, with the roof, flooring and HVAC system being replaced along with other upgrades. The kitchen features stainless steel appliances, a tile backsplash, ample cabinet space and a cozy dining nook filled with natural light. Just off the kitchen is a flex room that could function as an office space, workout room, playroom, or formal dining room. The full bathroom features tiled floors, tiled shower walls and a soothing color palette. The primary bedroom features an en suite half bath for added convenience with tile floors. The rear yard is fully fenced with wooden fencing added by the owner to adjoin the neighbors' chain link fencing. The large backyard has lush mature trees to the back for added privacy and plenty of space for outdoor weekend barbecues with family and friends or a play area. Additional upgrades include a Dust Free® Active Air Purifier and an attached storage area.
Source: REALMLS #2017381
Source: REALMLS #2017381
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: #2017381
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