6324 Ladera Trl, Milton, FL 32571
3 beds · 2 baths · 1,698 sqft
OPEN HOUSE: April 5th & 6th from 10-2!!! Welcome home to this beautiful 3-bedroom, 2-bathroom home located in the sought-after Ashley Plantation subdivision. Built in 2017, this home offers an inviting large foyer and a thoughtful split floor plan, providing the perfect balance of privacy and openness. Situated in the new and highly regarded Wallace Lake K-8 school district, this home is ideal for families. The neighborhood boasts a welcoming atmosphere with sidewalks, street lights, a community room, and a playground - perfect for family walks, bike rides, or a fun afternoon with your furry friends. The home is one of the few in Phase 1 to feature a sprinkler system on reclaimed water, gutters, and French drains, ensuring easy maintenance and peace of mind. Inside, you'll be impressed by the high ceilings ranging from 9 to 10 feet and the elegant crown molding in the living room. The spacious kitchen is equipped with sleek stainless steel appliances and gorgeous granite counter tops, offering both style and functionality. The primary bathroom is a true retreat, featuring a relaxing garden tub as well as a separate shower. Not to mention, walk-in closet in bedroom. The covered back porch provides a tranquil spot to unwind, and the fully fenced-in backyard offers plenty of space for children and pets to run and play safely. The garage comes with built-in storage and shelving, making it perfect for organizing your belongings. This home combines modern comforts with a fantastic community, making it a must-see for anyone looking for a beautiful place to call home. In addition to all the amazing features of this home, the VA loan can be assumed at an incredible 2.75% interest rate - a rare and valuable opportunity! This could save you significantly on monthly payments compared to current market rates. Whether you're a veteran or know someone who is, this benefit makes this home an even more attractive choice. Don't miss out on the chance to own this beautiful home!
Source: PENSACOLA #660494
All values shown are estimated costs / mo.
Source: Public records
Source: PENSACOLA #660494
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.