3138 Dark Sky Dr, Harmony, FL 34773
5 beds · 5 baths · 3,751 sqft
This home features an open concept great for hosting gatherings. The open-concept layout seamlessly connects the living, dining, and kitchen areas, providing the ideal space for entertaining guests or relaxing with loved ones. Big backyard perfect for making it your own. Bedrooms are a great size. Enjoy Florida’s awesome weather year-round. From five parks with playgrounds, picnic tables, and chess tables to two dog parks and two swimming pools, there's something for everyone to enjoy. Golfers will enjoy Harmony Preserve Golf Club, sports enthusiasts will love the basketball court, beach volleyball courts, and paddle ball facilities, while outdoor enthusiasts can take advantage of pontoon boats and kayaks for exploring Buck Lake, fishing piers for bass fishing, and 12 miles of hiking trails for scenic adventures. The Pavilion Facility is perfect for gatherings and celebrations. Harmony is well known for its community events that bring residents together, including Christmas in the Square, Harmony Fall Festival, and Harmony Movie Nights in the Square. In addition to these incredible amenities, residents benefit from all community facilities, including landscaping, pond maintenance, and community cleaning. Experience the luxury of Harmony living and community camaraderie in this exceptional home, with your private view of nature conservation for added bliss. Ease of access to major routes brings both Space Coast & Gulf Coast famous beaches in easy reach along with all Central Florida's attractions the whole worlds knows Florida for. What are you waiting for? Set up an appointment to see this property today!
Source: STELLAR #r4908186
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #r4908186
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: #r4908186
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.