2281 E Union Cir, Deltona, FL 32725
3 beds · 2 baths · 2,481 sqft sqft
How about sipping your morning cafe latte or tea while sitting on your enclosed Lanai looking out to the 10th hole at the Deltona Club Golf Course? Live it Up! As you enter the Very Roomy Main level you will find Split Bedrooms. Large Family Room which could be separated as a smaller Family Room, den or Office with a fourth Bedroom. Priced well below Market Price just for you. No HOA. The Primary Bedroom Ensuite is huge plus lots of space for all your furniture. The Large Kitchen also has a Breakfast Bar as well as looking out to the Massive Dining/ Family area. A circular Driveway to the front door and close to the Kitchen is convenient for entry. The Unique Bonus is the Walk-out Garage with 3 Bays and plenty of storage as well. You could convert some of the interior for a Rec Room as well. The front Door is accessible with the convenient Circular Driveway. Roof is 2 years old. Only a little imagination get this house to look like your Dream home. Mature Landscaping on this property and the Golf Course. Close to Beaches. Seller is offering $5000.towards Buyer's preferences towards closing costs etc.
Source: STELLAR #o6246053
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6246053
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.
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: #o6246053