4294 Pats Ct, Gulf Breeze, FL 32563
4 beds · 3 baths · 2,238 sqft
This Custom built Energy Efficient Earth Cents Home, Hamilton II, features LED lighting throughout, Water Saving Toilets, Energy Efficient Range, Built-in Microwave & Dishwasher, Samsung Refrigerator and under counter Wine Cooler. This home has vinyl energy saving Low-E Windows, Custom Fabric Hurricane Protection, Energy Saving Water Heater & 14 SEER Heating/Cooling System. It also features an Insurance $ saving Hip Roof design with Architectural Shingles. Double French doors leading to the covered porch, pool and firepit. These amenities make this home a relaxing, fun environment for family and friends, or just hanging out and relaxing quietly while enjoying the comfort of your own space. Walking into the home, you will find a beautiful, Craftsman, custom front door. Inside features wood Inside features wood grain tile flooring in the great room, dining area, kitchen and wet areas, for ease of cleaning. Kitchen features are high end, staggered cabinets with soft close doors and drawers, custom by "Distinct by Design", featuring crown molding, under cabinet lighting, granite countertops, and modern tile backsplash. A large Granite Island with under cabinets, for added storage, a wine cooler for your favorites, and a barrel ceiling styled of reclaimed barnwood over the island. Home has 9' ceilings with trey ceilings in the primary bedroom and great room, featuring crown molding throughout these areas. Modern Rocker switches, high quality lever handles on interior craftsman quality doors and custom hardware. Highest Energy efficiency Earth Cents LED Can lights in great room and primary bedroom, exterior Soffits and at covered porch. Ceiling fans in Primary Bedroom, bedrooms, and great room. EVO: electric vehicle outlet located in garage. Wired for a whole home generator. Solar panels installed by Atlantic Key Energy/Sunergy for even more energy savings. Complete RING SECURITY SYSTEM installed. This home has the whole package. Schedule your appt to view this magnificent home today.
Source: EMERALDCOAST #966198
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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
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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 #966198
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 of Equal Opportunity Act.