632 Mount Holyoke St, Lynn Haven, FL 32444
3 beds · 3 baths · 2,268 sqft
Get a free consultation call with an expert in the mortgage assumption process.
This stunning New England, Cape Cod style home located in the charming community of College Point in Lynn Haven, FL is move-in ready and ready to call home! This fully renovated home with NO HOA offers a blend of modern organic design and timeless finishes, making it an ideal sanctuary for those seeking both luxury and comfort in a unique one-of-a-kind home.Spanning just under 2,300 square feet, this two-level residence features three spacious bedrooms and three beautifully renovated bathrooms, each adorned with custom tile work and vanities. The home is situated on a generous .73-acre CORNER homesite, with an attached two-car garage, and provides ample space for future growth and the potential to add a pool or a pole barn. With NO HOA, the property also includes room to store your RV, a highly desired convenience in this area! As you approach you will notice the NEWLY painted exterior which accentuates the coastal New England Cape Code style this home is known for. As you enter the home, you are greeted by an inviting open dining room and living room that is flooded with natural light, creating a warm and welcoming atmosphere. Step through to the kitchen and adjacent you will find a cozy dining nook, perfect for intimate meals and morning coffee. The modern kitchen is equipped with newer stainless appliances, a wine cooler, ample cabinet and counter space, catering to all your culinary needs and for entertaining! The main level also boasts a versatile bonus room off the living room that can serve as an office or flex space for kids to play, offering additional functionality to suit your lifestyle. A large mudroom and laundry room off the access to the garage provides practical storage solutions and help keep the home organized while also encompassing a full bath, great for guests on the main level! The organic design with modern earth tones throughout the home creates a serene and harmonious living environment, complemented by water views that enhance the property's natural beauty. The outdoor entertaining area is ideal for hosting gatherings and enjoying the picturesque surroundings. Imagine a pool surrounding your fire pit where the kids can run and play! Located in an ideal proximity to local amenities, 632 Mount Holyoke is just a short distance from a new Publix, baseball fields, a recreation center, and parks with playgrounds. The absence of an HOA offers added flexibility and freedom for homeowners. This exceptional property in Lynn Haven presents a unique opportunity to own a luxurious yet timeless home in a desirable location. Don't miss your chance to experience the perfect blend of modern design and classic charm.
Source: EMERALDCOAST #971245
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: EMERALDCOAST #971245
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.