3749 Darlington Rd, Holiday, FL 34691
3 beds · 2 baths · 1,056 sqft sqft
PRICED TO SELL! 10K REDUCTION! ASSUMABLE 5.875% VA LOAN to ANYONE who qualifies. Come see this Gem in the Heart of Comfort! This 3-bedroom, 2-bathroom haven, complete with a 1-car attached garage & double-wide driveway, offers something truly special that sets it apart from the rest. * As you step inside, you'll find a spacious OPEN LAYOUT and beautiful updated Kitchen with Solid wood Shaker cabinets, Granite countertops, newer Stainless-Steel Appliances and Closet Pantry ensure an organized and efficient culinary space where cooking is a delight. * Luxury Vinyl Plank flooring adds a touch of sophistication to the main living areas, while cozy bedrooms are adorned with plush carpet for your comfort. * UPDATES are a testament to the home's quality, including a NEW 2023 RAINSOFT Whole-house Water Conditioning System, NEW ROOF (2022), HVAC System (2021), VINYL FENCE (2021), UPDATED ELECTRICAL PANEL, HURRICANE/IMPACT RESISTANT WINDOWS, boasting an impressive 175 MPH wind rating, and an ADT SECURITY & SURVEILLANCE System with Door Sensors, Surveillance Cameras, Smoke & Carbon Dioxide Detectors with Alert System, all controlled and monitored from your phone. As you can see, energy savings & safety are a priority here! * When you step through your BRAND-NEW BACK DOOR & onto your NEW PATIO, you'll find the generous backyard is a versatile canvas ready for your imagination. Whether you envision a pool, entertaining, play space for the kids, or a peaceful retreat, this space is yours to shape and enjoy! The remarkable 10 x 14 TUFF SHED, installed in 2021, with solar exterior lights, offers endless possibilities of flexible storage space for your kayaks, beach gear, or the perfect man-cave or she-shed retreat. * The Best Part? NO HOA, NO CDD fees - giving you the freedom to make this space truly your own. * Situated perfectly, this home is a hop, skip, and a jump from the Beach, Parks & Nature Preserves. Explore the wonders of Anclote River Park with its Beach, Canoe, Kayak & Boat Launch, Fishing Pier, Picnic Pavilions, Volleyball Courts and Playground; as well as nearby J. Ben Harrill Recreation Complex and Greater Holiday Little League. * This is a Fantastic Opportunity!! * Be sure to explore the 3D tour for an immersive virtual experience. Your next chapter begins here – seize it today!
Source: STELLAR #t3482013
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3482013
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: #t3482013
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.