42 Westglen Ln, Palm Coast, FL 32164
3 beds · 2 baths · 2,208 sqft
Welcome to this stunning Seagate Willow model, a 3-bedroom, 2-bathroom home in a well-established, high-and-dry neighborhood that’s not in a flood zone. Only three years young, immaculate, smoke-free, and pet free, this concrete block home is better than new, with all the upgrades & smartly decorated, just what you’ve been dreaming of, is already completed. You can literally move right in without lifting a finger! Step inside and be greeted by vaulted ceilings and gorgeous ceramic faux wood tile flooring throughout the main living areas. The guest bedrooms and primary suite are carpeted for added comfort. The luxurious owner’s suite includes a spacious en suite bathroom, featuring a custom L-shaped dual-sink vanity with quartz countertops that are also found in the kitchen and both bathrooms. The gourmet kitchen is a showstopper, with sleek stainless steel appliances, neutral color pallet, built-in white cabinets, beautiful, backsplash, and a chic black accent wall by the coffee bar. This home is full of high-end touches, including $5,000 in custom lighting upgrades and more features than can be listed! The guest bathroom has been customized with gorgeous tile work and a sleek glass shower enclosure. You’ll love the versatile bonus room, perfect for use as an office, den, craft room, or even a playroom for the grandkids, complete with a closet for added storage. Just add a Murphy bed and you now have a third guest suite! Step outside to the extended covered lanai, which was built under the home’s roofline and now boasts a 6-inch concrete slab for extra space and durability. The retractable windproof awning ensures you’re covered in all weather conditions, automatically retracting in high winds. The large backyard is perfect for a future pool and is partially fenced—you only need to add your own posts and gates on either side for added privacy. Additional highlights include hurricane-rated double-pane windows, a whole-house water filtration system, water softener, an irrigation system keeping the upgraded grass lush, and Ring and Blink cameras over the garage and front door for added security. The stainless steel refrigerator was recently replaced, and the washer and dryer are conveniently set on pedestals in the laundry room, offering extra storage space. To top it off, some of the furniture and televisions are optional, making this home truly move-in ready. With so many upgrades already done, this is one not to miss! Schedule your showing today and make this dream home yours!
Source: STELLAR #o6243997
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6243997
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: #o6243997
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.