3060 INLET BREEZE WAY, Holiday, FL 34691
Come look at this beautiful and inviting three bedroom two and a half bath townhouse nestled in a very desirable community "The Preserve at Gulf Trace" in Holiday. Built just a few years ago in 2021 by Ryan homes, this modern and cozy home features a community dog park and also a playground. When entering the home, you are greeted with an inviting open floor plan with easy access to the kitchen and living room and garage. Also on the ground level is a cute half bath with a pedestal sink nestled under the stairs utilizing space and creating easy accessibility from the living room. Before you get to the stairway you will notice a sliding glass door which gives you access to your back patio and backyard space. Upstairs you will find the spacious master bedroom featuring a walk-in closet and a full master bathroom with a double sink vanity. On the way to the next bedroom, you will find a laundry room tucked away as well as access to the air handler. At the end of the hallway, you will find a full-size bathroom and two nice sized spare bedrooms featuring blinds and carpet flooring. Reasonable HOA fees which include grounds/parks/ponds maintenance, irrigation, cable tv, high speed internet, and roof maintenance on reserves. No CDD fees either. Within a few miles of schools as well as close access to shopping, beach, restaurants, recreation center, downtown, and much more. Quiet neighborhood. Come see this townhouse today before it is gone.
You may be able to put down less than the total down payment amount of $102,567 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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: #t3501051
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.