2225 RIVER BIRCH RD, Gulf Breeze, FL 32563
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!!
You may be able to put down less than the total down payment amount of $132,362 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: #649442