4477 Fiske St, Milton, FL 32571
3 beds · 2 baths · 1,985 sqft
The seller offers a buyer concession; ask your agent for details! This stunning 3-bedroom, 2-bathroom home, built in 2021, provides the perfect blend of modern design, energy efficiency (i.e., low electric bills!) via an eco-friendly solar panel system, and a prime location in the heart of Central Pace. Just a short stroll from Target and other popular shopping and dining options, this home provides unparalleled convenience for everyday living. Discover a thoughtfully designed open-concept floor plan that maximizes space and natural light. The spacious living room serves as the heart of the home, featuring large windows that allow soul-refreshing sunlight to fill the room. The contemporary kitchen is a chef's delight, boasting sleek granite countertops, stainless steel appliances, and plenty of cabinetry for all your storage needs. The primary bedroom suite is a private oasis, offering a generous layout, a door to the covered back porch, and an ensuite bath with a walk-in closet, double vanity, garden tub, and a separate shower. Two additional bedrooms are located down a separate hall near the front of the home, providing privacy and comfort for family members or guests. These bedrooms share a well-appointed second bathroom with modern fixtures and finishes. One of the standout features of this home is the solar panel system, which not only reduces your carbon footprint but also offers substantial savings on electricity bills. The property has a meticulously maintained backyard, perfect for outdoor gatherings or enjoying the Florida sunshine. The covered patio provides a shaded spot for morning coffee or evening relaxation, and the low-maintenance landscaping means you can enjoy your home more while spending less time maintaining it. With its prime location, modern amenities, and eco-friendly features, this home is an exceptional opportunity to experience the best of Central Pace living.
Source: PENSACOLA #651055
Learn about how it works
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
Close faster and stress-free
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: PENSACOLA #651055
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.