6449 Arbor Ln, Gulf Breeze, FL 32563
3 beds · 2 baths · 1,472 sqft
Your Charming Ranch Retreat in Holley By The Sea Awaits! This serene sanctuary is nestled within the desirable Holley By The Sea community with access to all of the amenities and multi-million dollar rec center! This delightful ranch-style home offers the perfect blend of comfort, convenience, and tranquility close to schools, shopping, Military bases, restaurants, parks and - of course - the relaxing Navarre Beach. Step inside and discover a warm and inviting living space, ideal for both relaxing and entertaining, with high ceilings and soothing coastal color palette. With this classic ranch design you will enjoy the ease and accessibility of single-level living. The spacious living area is a comfortable and versatile space for family gatherings and cozy evenings. The kitchen features an eat-in area, ample granite counter space and storage All of the bedrooms have plush carpet and offer peaceful retreats for rest and relaxation. The main bedroom, overlooking the backyard, has the en-suite bath with double vanity, linen closet, large closet and tile flooring. The expansive backyard is perfect for outdoor enjoyment, gardening, or simply unwinding in nature. Imagine barbecues, starlit evenings, and the gentle rustling of leaves – all within the privacy of your own space. Holley By The Sea Amenities include a boat launch, pools, tennis courts, pickleball, basketball, fitness center, and more. This charming ranch home offers a unique opportunity to embrace a relaxed lifestyle in a sought-after community. The private backyard is truly a highlight, providing a peaceful escape from the everyday hustle and bustle. Don't miss your chance to make this wonderful property your own! Schedule a showing today and experience the tranquility of Holley By The Sea living.
Source: PENSACOLA #661199
Financials
Source: PENSACOLA #661199
Source: Public records
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%. 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.
Other resourcesWhat 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.