3280 Phonetia Dr, Deltona, FL 32738
3 beds · 2 baths · 1,742 sqft
Welcome to your dream home in Deltona! This charming 3-bedroom, 2-bath MOVE IN READY POOL home offers the perfect blend of comfort and modern living. As you step inside, you'll immediately notice the beautiful tile and laminate flooring that flow throughout the main living areas, creating an elegant and easy-to-maintain space. The inviting living area seamlessly connects to the dining space, making it ideal for entertaining friends and family. The updated kitchen is a true standout, featuring stunning granite countertops, stainless steel appliances, a farmhouse sink, and a custom backsplash that adds a touch of sophistication. Whether you're a seasoned chef or simply love to cook, this kitchen is designed to inspire culinary creativity. Just off the kitchen is an additional eating area as well as a family room with plenty of space for entertaining. Each of the three bedrooms provides a cozy retreat, with plush carpeting that adds warmth and comfort underfoot. The master suite features an en-suite bathroom for added privacy and convenience. Step outside to discover your own private oasis. The beautifully landscaped backyard is highlighted by a screened pool enclosure, allowing you to enjoy the sparkling pool year-round while being sheltered from the elements. This space is perfect for relaxing on warm Florida days or hosting summer gatherings with friends and family. Located in a friendly neighborhood, this home is just minutes away from local parks, shopping, and dining options. With its great location and inviting features, this Deltona pool home is a must-see. Don’t miss the opportunity to make it your own!
Source: STELLAR #o6244472
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6244472
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: #o6244472
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.