219 Dominica Cir E, Niceville, FL 32578
5 beds · 3 baths · 3,092 sqft
Get a free consultation call with an expert in the mortgage assumption process.
This beautifully updated 5-bedroom, 3-bathroom home in Bluewater Bay stands out with a private Mother in Law Suite, featuring 1 bedroom, a full kitchen, a full bath, and a private screened-in porch--all with a separate entrance for added privacy and flexibility!A charming front porch welcomes you into the home. Spacious living room boasts a cathedral ceiling and a cozy fireplace. Off the living room, you'll find a formal dining room and a sunroom with incredible views over the natural preserve. The kitchen features stainless steel appliances, granite countertops, and a breakfast bar. The large primary suite is a peaceful retreat, complete with a fully remodeled bathroom featuring a new double vanity, updated lighting, tile flooring, and a custom tiled shower with glass door. The remodeled hall bathroom also impresses with a new vanity, toilet, tile floors, fixtures, mirror, and lighting. Private backyard oasis, complete with an upstairs deck- perfect for relaxing outdoors. No HOA! Recent Updates: Brand New Water Heater (2025), Roof (2019), HVAC - Upstairs (2022) | Downstairs (2012)
Source: EMERALDCOAST #971439
Source: EMERALDCOAST #971439
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.
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.
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.
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 “Save search” 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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.