5483 Chantilly Cir, Milton, FL 32583
4 beds · 2 baths · 1,535 sqft sqft
OPEN HOUSE NOV. 2ND 11-1! Welcome to this beautifully updated 4-bedroom, 2-bathroom home featuring 1,535 sq ft of thoughtfully designed living space. With a split floor plan for added privacy, this home has modern upgrades, stylish finishes, and inviting spaces. The expansive primary bedroom with walk-in closet offers a private retreat, featuring a generous layout that easily accommodates a king-sized bed and additional furniture. The home has seen a complete transformation, from the freshly painted walls throughout to the new house numbers and updated mailbox. Inside, you’ll find a series of recent updates, including a new water heater (2024), HVAC system (2023), and kitchen appliances like the new refrigerator (2024), dishwasher (2023), and microwave (2023). The heart of the home opens to a large, screened porch with privacy shades a new storm door, creating the perfect space to unwind, entertain, or enjoy the outdoors, rain or shine. This incredible outdoor area overlooks a generous backyard with storage building—ideal for family gatherings, barbecues, or simply stretching out and relaxing under the stars. The property has been carefully maintained, including regular pest control, ant service, and mosquito treatment by Arrow Exterminators. Inside, updated light fixtures in the dining room, foyer, hallways, and laundry room bring a fresh look, while the bathrooms feature new hardware and a stylish touch of wallpaper and mirror in the second bath. All outlets, switches, and covers have been replaced, giving the home a polished and modern finish. Centrally located with quick access to I-10, Pensacola, Pensacola Beach and Navarre Beach, this home combines style and convenience that's move-in ready. Come see for yourself what makes this property truly special—this is a home you don’t want to miss!
Source: PENSACOLA #654412
Interest rate and monthly payment estimated based on public records.
Source: PENSACOLA #654412
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: #654412
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.