2225 River Birch Rd, Gulf Breeze, FL 32563
3 beds · 2 baths · 1,936 sqft
Welcome to your dream home in the heart of Gulf Breeze, Florida! This charming all-brick house is a perfect blend of comfort and style, offering 1,936 square feet of thoughtfully designed living space. With no homeowners association to worry about, you'll have the freedom to make this property truly your own. Step inside and be greeted by high ceilings and an open concept layout that creates a spacious, airy atmosphere. The electric fireplace with a stylish mantle serves as a cozy focal point in the living area. For those who love to entertain, the separate dining area and breakfast nook provide ample space for gatherings of all sizes. VA assumption option available!! The kitchen is a culinary enthusiast's dream, featuring granite counters, a chic backsplash, and stainless steel appliances. An office nook nearby offers a convenient spot for working from home or managing household tasks. The primary bedroom is a true retreat, boasting an en suite bathroom with a stand-up shower and separate garden tub for ultimate relaxation. Two walk-in closets and a double vanity add luxury and practicality to your daily routine. The split floor plan ensures privacy for all, with two additional well-sized bedrooms perfect for family or guests. Throughout the home, you'll find elegant touches like wood-like tile flooring, ceiling fans, and crown molding. The 0.29-acre lot provides a fenced-in outdoor oasis, ideal for pets or gardening enthusiasts. A two-car garage offers ample storage space, while hurricane protection shields provide peace of mind during storm season. Located near amenities like Walmart Neighborhood Market, public access to East Bay, and the Gulf Breeze Zoo, this home offers both convenience and adventure. The beautiful Navarre Beach is just a short drive away, perfect for weekend getaways or daily doses of vitamin sea. Don't miss this opportunity to make this Gulf Breeze gem your new home sweet home! Don't forget to check out the video walk through!!
Source: PENSACOLA #649442
Source: PENSACOLA #649442
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: #649442