5813 Guinevere Ln, Milton, FL 32583
4 beds · 2 baths · 1,791 sqft
**OPEN HOUSE SATURDAY 12/14 @ 10-1!** Discover the perfect blend of comfort, style, and convenience in this gorgeous 4-bedroom, 2-bath home in the highly desirable Cambria Subdivision! Perfectly located within walking distance to top-rated schools and just minutes from I-10, NAS Whiting Field, shopping, and dining, this home is everything you’ve been searching for. From the moment you arrive, the beautifully landscaped yard and welcoming covered front porch will draw you in. Step inside to be wowed by the grand, open living room—an entertainer’s dream! Anchoring the space is a stunning custom-built fireplace insert with charming shiplap detail, creating the perfect centerpiece for cozy nights in. Whether hosting unforgettable gatherings or enjoying family time, this space is designed to impress. The kitchen is a true showstopper, featuring a massive island with a breakfast bar, sleek granite countertops, a chic subway tile backsplash, stainless steel appliances, and a walk-in pantry. It’s the ultimate setup for seamless entertaining and everyday living. The private master suite is your personal sanctuary. Indulge in the spa-like bathroom with double vanities, a luxurious 5-foot walk-in shower, a water closet, and a huge walk-in closet that will make organizing a breeze. Three additional spacious bedrooms, a second full bath, and a convenient laundry room ensure everyone has their own space. Outside, the fun continues with a covered porch, an extended paver patio, outdoor lighting, and a fully fenced backyard, perfect for relaxing evenings or lively barbecues. This home truly offers it all—don’t let this incredible opportunity slip away. Come see it today and fall in love with your next home!
Source: PENSACOLA #656323
Interest rate and monthly payment estimated based on public records.
Source: PENSACOLA #656323
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: #656323
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.