2921 Hamden St, Deltona, FL 32738
4 beds · 2 baths · 2,316 sqft
Welcome to this beautifully renovated home in Deltona, featuring 2,316 square feet of thoughtfully updated living space. This four-bedroom, two-bathroom residence sits on a desirable corner lot and offers modern amenities throughout. Step inside to discover fresh interior paint and newly installed luxury vinyl plank flooring and new carpeting that flows seamlessly through the home. The kitchen has been magnificently upgraded with new stainless steel appliances, refreshed cabinet door fronts, and elegant quartz countertops, creating an inviting space for cooking and gathering. Both bathrooms have been renovated to contemporary standards, providing comfort and style for family and guests. The primary bedroom offers ample space and privacy, while three additional bedrooms provide flexible living arrangements for family members or a home office setup. Recent improvements include a new water heater and a roof that was replaced just two years ago, offering peace of mind for years to come. The garage interior has also received a fresh coat of paint, maintaining the home's well-maintained appearance throughout. Outdoor living is a highlight with a generous fenced backyard, perfect for pets, gardening, or outdoor entertainment. The enclosed back patio creates an ideal space for relaxing or dining while enjoying Florida's pleasant weather. The property's location offers convenient access to local amenities, including Tom Hoffman Park for outdoor recreation and Publix Super Market at Deltona Commons for daily conveniences. Without homeowners association fees, you'll have the freedom to make this house truly your own. This move-in ready home combines modern updates with practical living spaces, making it an excellent choice for those seeking a well-maintained property in a established neighborhood.
Source: STELLAR #o6259629
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6259629
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: #o6259629
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.