3095 Bent Oak Rd, Pensacola, FL 32526
4 beds · 2 baths · 1,721 sqft
This stunning 4-bedroom, 2-bathroom all-brick home offers a unique blend of style, functionality, and impressive features that set it apart from the rest. From the moment you arrive, the front of the home greets you with a spacious, climate-controlled sunroom—perfect for enjoying the outdoors in comfort year-round. Inside, every corner of this beautifully remodeled home showcases high-end finishes and fixtures. The chef’s kitchen is a true highlight, featuring brand-new stainless steel appliances, sleek stone countertops, a farmhouse sink, and a butcher block island that's perfect for both meal prep and casual entertaining. Shiplap detailing and custom tile work elevate the space, offering a perfect mix of beauty and functionality. The home boasts fresh paint through the entire home and new luxury vinyl plank (LVP) flooring throughout the living areas. The bathroom has been thoughtfully updated, continuing the home’s commitment to quality and style. The indoor laundry room, complete with custom shelving, leads to the attached garage for added convenience. But there’s even more! A rare gem of this property is the massive 1,000 sq. ft. detached garage. Not only is this space climate-controlled, but it also features a rock climbing wall with a climbing rope for fun and fitness! On the other end, you'll find a motor lift and anchors designed to straighten vehicle axles and frames—an auto enthusiast's dream! Outside, the fully fenced backyard provides privacy and space for outdoor activities or simply relaxing in your own outdoor oasis. Both the roof and water heater are 2024! Don’t miss this one-of-a-kind home that combines luxury, practicality, and a touch of adventure.
Source: PENSACOLA #655312
Source: PENSACOLA #655312
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: #655312
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.