4 Reindeer Ln, Palm Coast, FL 32164
3 beds · 2 baths · 1,617 sqft
Under contract-accepting backup offers. Rudolph isn’t the only reindeer coming to town! Welcome Home to 4 Reindeer Lane! This home is full of charm and cheer, perfect for celebrating the holidays and beyond. Step inside this beautifully designed open split floor plan, offering 3 bedrooms, 2 bathrooms, and plenty of room to spread out. Vaulted ceilings and a wood-burning fireplace set the scene for cozy winter nights, while the thoughtful layout ensures comfort and privacy for every member of the household. The master bedroom is a true retreat, complete with an en suite bathroom featuring a private toilet, tub shower combo, and an expansive walk-in closet. It’s the perfect place to unwind after a day of holiday festivities. Located on one side of the home, the master suite is thoughtfully separated from the secondary bedrooms, offering a peaceful escape. Across the home, you’ll find two additional bedrooms with a shared bathroom conveniently located between them. This layout is ideal for families, guests, or even a home office. The neutral design and natural light make these spaces warm and inviting year-round. The heart of the home is the stunning kitchen, recently remodeled with a touch of sage green that feels both modern and festive. The matching microwave is a charming addition, and the spacious kitchen/living room combo is perfect for entertaining, whether you’re hosting a Christmas feast or a summer BBQ! The wood-burning fireplace adds a cozy ambiance to this central living space, making it ideal for gathering together. Step outside to a large, partially fenced yard, perfect for pets, playtime, or stringing up holiday lights. The concrete patio features a roll-out awning, providing shade during sunny Florida days or shelter for outdoor festivities. Plus, you’re within walking distance of Rymfire Elementary School and Ralph Carter Park, making this location a gift that keeps on giving. Make 4 Reindeer Lane your home for the holidays—and every day!
Source: STELLAR #v4939610
Source: STELLAR #v4939610
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: #v4939610
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.