37039 Scenic Bluff Dr, Grand Island, FL 32735
4 beds · 4 baths · 3,090 sqft
BEAUTIFUL HOME IN DESIRABLE WINDY RIDGE HAS EVERYTHING YOU WANT AND MORE. MASTER BR AND BATH DOWNSTAIRS AND THREE BR AND TWO BATHS AND LAUNDRY ROOM UPSTAIRS. BOTH FLOORS EACH HAVE FLEX ROOMS THAT CAN BE AN OFFICE, DEN, ETC. JACK AND JILL BATHROOM UPSTAIRS. FULLY EQUIPPED KITCHEN HAS BEAUTIFUL CABINETRY AND GRANITE COUNTERS ALONG WITH AN OVER-SIZED GRANITE ISLAND. ALL STAINLESS STEEL APPLIANCES INCLUDING A DOUBLE WALL OVEN. EXTRA SERVICE AREA OFF THE KITCHEN. WALK IN PANTRY. FORMAL DINING AREA AND EAT-IN KITCHEN. LARGE LIVING ROOM WITH CUSTOM CEILING AND FAUX FIREPLACE. KNOCKDOWN CEILINGS. LARGE LAUNDRY ROOM UPSTAIRS FOR CONVENIENCE WITH UTILITY SINK. TWO ZONE AIR HANDLERS FOR ECONOMY. LARGE DRIVEWAY EXTENDS INTO THE BACK YARD AND THE GARAGE HAS AN EXTRA AREA FOR MORE STORAGE. TWO LARGE STORAGE SHEDS IN THE YARD DO NOT CONVEY WITH THE HOUSE. TWO ACCESS PANELS INTO THE ATTIC. HUGE SCREENED POOL AREA FOR THE BIGGEST FAMILY TO ENJOY. ONE OF THE LARGEST LOTS IN THE NEIGHBORHOOD. LARGE ENTRY PATIO IS SURROUNDED BY STONE ACCENT PILLARS. THIS PROPERTY HAS TO BE SEEN TO APPRECIATE AND TO MAKE IT A HOME FOR YOUR BUYER. EASY TO SHOW.
Source: STELLAR #g5088323
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #g5088323
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: #g5088323
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.