2281 E Union Cir, Deltona, FL 32725
3 beds · 2 baths · 2,481 sqft sqft
Reduced $10,000. 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.
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: #o6246053
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