4430 Winners Gait Cir, Milton, FL 32571
4 beds · 4 baths · 2,918 sqft
Welcome to Winners Gait, where craftsmanship, modern features, and a prime location converge to create the perfect home for you and your family. This stunning 4 bedroom + office, 3 1/2 bath home for sale is custom built and nestled in a great neighborhood, just steps away from the picturesque Benny Russell Park and the convenience of Publix. As you enter this exquisite home, you'll immediately notice the attention to detail and quality in its elegant Craftsman style. The spacious and open floor plan is perfect for both entertaining and everyday living. The heart of this home is the huge modern kitchen which boasts an abundance of cabinets for all your storage needs, along with gorgeous modern granite countertops, a huge island, and a walk-in pantry. Whether it's a quick breakfast in the cozy breakfast area or a family gathering at the hop-up bar, this kitchen has you covered. In addition to the formal dining room, there's also plenty of room to host larger dinner parties or holiday gatherings. Every inch of this home has been thoughtfully designed to cater to your needs and provide the utmost comfort and convenience. As you make your way to the bedrooms, you'll find that each one is spacious and offers a tranquil retreat for rest and relaxation. The 4th bedroom is a versatile space that can serve as a guest suite with its own bathroom, or a home office. The owners have even transformed the den into a fun and functional kids' playroom, showcasing the flexibility of this home. Aside from the stunning interior, you'll find that this home boasts impressive features such as crown molding, recessed lights, a sprinkler system, gutters and beautiful LVP flooring throughout. But that's not all, step outside onto the huge back porch and envision yourself indulging in peaceful evenings or hosting BBQs with friends and family. Don't miss your chance to make this dream home yours.
Source: PENSACOLA #655748
Interest rate and monthly payment estimated based on public records.
Source: PENSACOLA #655748
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: #655748
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.