304 Pitch Pine Dr, Debary, FL 32713
5 beds · 3 baths · 2,674 sqft sqft
Beautiful 2- story Pool home located in the new family-friendly community of Springview Woods. This meticulously designed 5-bedroom, 3-bath home features ample amount of space. As you walk in you will notice a flex space that can be used for formal dining, an office or another living space. As you continue into the home you will notice all beautiful features this home has to offer. The kitchen offers granite counter tops and beautiful cabinets and in updated backsplash. Off the kitchen is a dining room that over looks your back porch and yard. You will love spending these hot Florida days in the Pool and the cooler winter months in your hot tub. The pool is heated. There is still plenty of room in your spacious back yard for kids or pets to run around. Back in the home you will walk through your living room to the downstairs guest bedroom. The Primary bedroom is located upstairs along with 3 other bedrooms, laundry room and a spacious loft. This home is conveniently located to some of the best things DeBary and neighboring city’s have to offer. It is walking distance to the St. John’s River-to-Sea Loop biking/walking trail. Down the street you will find the Sunrail and the future site of DeBary Mainstreet. This community is golf cart friendly and you will be able to drive your golf cart to all of these great locations.
Source: STELLAR #o6238975
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6238975
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: #o6238975
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.