336 Harris St, Mary Esther, FL 32569
3 beds · 2 baths · 1,198 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Escape the confines of condo or townhouse living and embrace the space and freedom you deserve in this charming and efficient ranch home! Boasting 1198 square feet of thoughtfully designed living space, this residence offers the perfect blend of comfort, style, and convenience.Imagine pulling up to your new home, greeted by its classic brick front and low-maintenance vinyl siding. A durable 30-year dimensional shingle roof provides peace of mind for years to come. Step inside and be welcomed by soaring 10-foot ceilings in the expansive living room, creating an airy and inviting atmosphere. Luxurious vinyl plank flooring flows seamlessly through the living area and into the spacious master bedroom, offering both beauty and easy care.The heart of the home features a stylish kitchen with elegant solid surface countertops, and a sleek smooth top stove. Beautiful and durable porcelain tile graces the kitchen and laundry areas, adding a touch of sophistication. Enjoy elegant dinners under the trey ceiling in the separate dining room, perfect for gatherings with family and friends. Your private master suite also features a stunning trey ceiling, adding a touch of architectural detail. Step outside and discover your own private oasis! The fenced backyard provides a secure space for relaxation and play, complete with a deck ideal for outdoor entertaining. Keep your lawn looking lush and vibrant effortlessly with the built-in lawn sprinkler system. Plus, enjoy significant energy savings with the installed solar panels, contributing to a more sustainable lifestyle and lower utility bills thanks to the Good Cents energy efficient standard. Convenience is key, and this home delivers! With a one-car garage for parking and storage, and situated within 2 miles of Hurlburt Air Force Base, your commute will be a breeze. This isn't just a house; it's a lifestyle upgrade. Don't miss this incredible opportunity to own a beautiful, energy-efficient home in a prime location. Seize the chance to experience the comfort, space, and freedom you've been dreaming of. Your new chapter starts here!
Source: EMERALDCOAST #974529
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: EMERALDCOAST #974529
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.
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.
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.
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.
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 “Save search” 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.
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 620, 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 and Equal Opportunity Act.