61 Zinnia Trl, Palm Coast, FL 32164
4 beds · 2 baths · 1,736 sqft
ALL FURNISHING CAN BE INCLUDED IN SALE!! SOLAR PANELS PAID OFF!! Estimated to save you over $40,000 plus credit for what energy you do not use! FULLY FENCED WITH SHED FOR STORAGE!!! Don't miss out on this amazing opportunity to own this impeccably maintained Palm Coast home, showcasing modern upgrades and thoughtful details. This four-bedroom, two-bathroom gem features a functional and stylish layout with ample closet space throughout. Enjoy the luxury of a master suite with a tile walk-in shower, offering a spa-like experience. The home boasts energy-efficient solar panels, reducing utility costs, and a high-quality water filtration system for pure, clean water. The kitchen is a culinary delight with stunning quartz countertops, a beautiful backsplash, and sleek stainless-steel appliances. Tile flooring graces the main living areas, while plush carpet adds comfort to the bedrooms. The property also includes a spacious screened-in lanai, perfect for outdoor relaxation and entertainment. A fenced backyard provides privacy and space for activities, and an additional shed offers extra storage. This home combines modern amenities with meticulous care, making it an exceptional find in Palm Coast. Don’t miss your chance to make this beautiful property your own!
Source: STELLAR #fc303477
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #fc303477
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: #fc303477
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.