3260 Parkland St, Titusville, FL 32796
3 beds · 2 baths · 1,040 sqft
Welcome to 3260 Parkland Street, a beautifully updated 3-bedroom, 2-bathroom home nestled in the heart of Titusville, Florida. This well-maintained block home features charming stacked stone accents around the garage and a matching stone landscaping border, enhancing its curb appeal. Upon entering, you're greeted by a spacious living room that seamlessly flows into a versatile den on the right and a well-appointed kitchen on the left, creating an open and inviting atmosphere. The kitchen boasts a generous eat-in area, perfect for casual dining and entertaining. Recent updates include modernized bathrooms and ceramic tile flooring throughout most of the home, adding a touch of elegance and ease of maintenance. Significant upgrades have been made to ensure comfort and peace of mind, including a new metal roof installed in September 2019, a new air conditioning system added in March 2021, and a water heater that's just 1.5 years old. All appliances are included, making this home move-in ready. The expansive, private backyard is fully fenced, providing an ideal space for outdoor entertaining, gardening, or simply enjoying the Florida sunshine. Additionally, the property features a 2-car attached garage, offering ample storage and convenience. Situated on a 0.20-acre lot, this home is conveniently located near shopping centers, dining establishments, salons, gyms, and is less than 20 miles from the ocean, offering both comfort and accessibility. Don't miss the opportunity to own this delightful home that perfectly blends modern updates with classic charm.
Source: STELLAR #O6295444
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Why Roam
Lower rates and lower down payments
The only homebuying option for you to put 5% down and get a 5% rate.
Closing guarantee
We can close in 45 days or we’ll pay the seller’s mortgage until we close.
Offer acceptance
95% of offers accepted when made with Roam. 5% accepted without.
Rates and payments are estimates based on public records.
Source: Public records
Source: STELLAR #O6295444
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.