2231 Janet St, Navarre, FL 32566
4 beds · 2 baths · 1,763 sqft sqft
Welcome to this beautifully maintained home in East Navarre, located just a short drive from Hurlburt Field AFB! Featuring an eye-catching exterior with elegant stone accents and durable Hardie Plank siding, this property offers a timeless, low-maintenance appeal. The well-designed split floor plan includes 4 bedrooms, 2 bathrooms, with a spacious 1,763 sq ft of living space. Step inside through the welcoming foyer and into the large, open-concept living area, highlighted by a custom ceiling that adds a touch of sophistication. The modern kitchen is perfect for entertaining, with solid wood cabinets, a breakfast bar, stainless steel appliances, a built-in wine refrigerator, and beautiful granite countertops. The private master suite serves as a peaceful retreat, complete with an en-suite bathroom featuring a tiled walk-in shower, a separate soaking tub, and double vanities with custom cabinetry. The home's flooring offers the best of both worlds -luxurious, easy-care wood laminate in the main living areas and NEW plush carpet in the bedrooms for ultimate comfort. Outside, enjoy the large covered back porch and fully fenced backyard, an ideal setting for family gatherings, outdoor activities, or quiet relaxation. Just minutes away from schools, shopping, and the stunning Navarre Beach, this home combines comfort, style, and convenience into one perfect package. Don't miss out on this incredible home-schedule your showing today!
Source: PENSACOLA #652802
Interest rate and monthly payment estimated based on public records.
Source: PENSACOLA #652802
Source: Public records
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: #652802
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.