2479 Heritage Cir, Navarre, FL 32566
3 beds · 2 baths · 1,799 sqft
5.625% VA LOAN ASSUMPTION option available for qualified VA Buyers (ask for details). Stop your search! You've found the one - a charming 3-bedroom, 2-bathroom home in the desirable Creetwoods community. This home is move-in ready and offers a perfect blend of comfort and style. Conveniently located minutes to some of the Emerald Coast's most beautiful beaches, this home's floor plan offers a seamless transition from one area to the next, creating a flow that enhances the overall living experience. Within the home, there are 2 living areas that are filled with natural light, creating a warm and inviting atmosphere. The updated kitchen features stainless steel appliances and beautifully upgraded granite countertops, ideal for meal prep and entertaining. The large owner's suite is a true retreat, boasting a beautifully updated bathroom with a walk-closet and double vanity. The owner's suite provides a perfect space to unwind. Step outside to a beautifully covered patio with a ceiling fan and lighting, perfect for relaxing or hosting outdoor gatherings in your spacious backyard. Other captivating features of this home include updated cabinets (new paint and hardware), new storm door with pet door insert, a split floor plan, Ring doorbell, beautiful wood-look tile flooring, new lighting in the foyer and cozy dining area that overlooks the beautiful backyard, tastefully updated guest bathroom, keyless entry, gutters, ceiling fans all the bedrooms, and in both living rooms. Additionally, there's a handy outdoor 20'x8' storage building with concrete pad for all your additional storage needs. The driveway has also been extended, providing added parking space for guests or additional vehicles. Located in a community with NO HOA, you'll enjoy the freedom of no yearly HOA dues. With modern finishes, generous living space, and a well-maintained exterior, this home is ready for you to make it your own! Buyer(s) is responsible for verifying all data and information including lot size and room measurements as it is deemed to be reliable but not guaranteed.
Source: EMERALDCOAST #971688
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: EMERALDCOAST #971688
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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.
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 “Save search” 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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.