3278 Main St, Navarre, FL 32566
4 beds · 2 baths · 2,583 sqft
Discover this meticulously designed 4 bedroom, 2-bathroom residence in Navarre, FL, offering a thoughtful split floor plan that prioritizes privacy and functionality. The primary suite, separated from the additional bedrooms, features a spacious layout and a well appointed ensuite bathroom, creating a serene retreat for homeowners. With three additional bedrooms, this home accommodates a variety of needs whether for family, guests, or personal pursuits.The heart of the home showcases an open kitchen layout that seamlessly flows into the living room, a feature consistently praised by sellers for its blend of practicality and comfort. Granite countertops extend throughout, adding durability and timeless appeal to both the kitchen and bathrooms. Entertain or unwind in the formal dining room, or utilize the separate flex room as a dedicated office, playroom, or additional living space tailored to your lifestyle. Step outside to enjoy a large screened-in porch, ideal for year round relaxation, which leads to a fully privacy fenced backyard perfect for outdoor activities or quiet enjoyment. Gutters are installed, enhancing the property's maintenance efficiency. Notably, this home comes with no HOA, offering freedom and flexibility that discerning buyers value. This Navarre gem combines versatile spaces with quality finishes, ready to welcome its next owner. Schedule a showing today to experience the layout and features firsthand opportunities like this don't linger long.
Source: EMERALDCOAST #970652
Financials
Source: EMERALDCOAST #970652
Source: Public records
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%. 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.
Other resourcesWhat 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.