45 Sackett Rd, Debary, FL 32713
3 beds · 2 baths · 1,998 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to this custom-built home positioned on just over 1 acre of land and charming water views. This well-maintained home is perfectly secluded and boost natural lush landscaping, backyard space for entertaining and multiple storage sheds. 3 bedrooms/2 baths and just under 2000 sq ft of living space awaits you. Upon entering you are greeted with vaulted ceilings in your living room. Wood burning fireplace and new stone surround. 2 skylights with motorized shades. New travertine floors thought-out the home complete this area. The kitchen and breakfast area overlook the living room. New stainless-steel appliances and a walk-in pantry add to the appeal of this well-appointed kitchen. Just off the kitchen you will a wonderful dining room area with vaulted ceilings and views of the front yard natural lush landscaping. A split floor plan provides you 2 bedrooms 1 bath to the front of the house, Updated bathroom with custom mirror. To the rear of the property, you will find the oversized primary suite with sitting room area. Sliders leading to the screened patio. Updated primary bath, Massive Walk-in shower with custom tile work and double shower head. New vanity with backlit mirrors and upgraded toilet with countless features included heated seat. Walk in closet with built-ins. In the garage area you will a stainless-steel sink area perfect for pet grooming. Two huge sheds are located on this property both with upgraded insulation. Since buying this home the sellers have done the following upgrades: New Travertine Flooring, New Low-E, Argon, Double pane windows and slider, New Low-E, Argon, Double pane Skylights w/ remote blinds, New Master bathroom remodel, New AC compressor and air handler, New open cell spray foam in attic and removal of old fiberglass, New Core-Fill 500 in all exterior block walls, New closed cell spray foam in both sheds, New Water Heater, New utility sink in garage, New large sink in kitchen, New French Doors, New aluminum frame, screen, and door on rear porch, New baseboard/trim, New vinyl flooring in bedrooms, New organization systems in all bedroom closets , Exterior of home and soffits painted, New Insulated, Aluminum Attic Pull down in garage and so many other upgrades. The only thing missing from this home is you!
Source: STELLAR #O6264667
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: STELLAR #O6264667
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 and Equal Opportunity Act.