6481 Starfish Cv, Gulf Breeze, FL 32563
3 beds · 2 baths · 1,401 sqft
Welcome to this charming home situated in a peaceful cul-de-sac in the desirable Lighthouse Pointe community of Gulf Breeze, Florida. The living room is filled with natural light, thanks to its large windows and vaulted ceilings. The kitchen overlooks the dining and living room. This inviting space is perfect for entertaining, offering plenty of room for gatherings. The Master Bedroom is conveniently located off of the Living Room. The Master Bathroom features a double vanity, linen closet, walk-in-closet and shower/tub combo. The other two bedrooms are located at the back of the home allowing for privacy. Step outside to enjoy the charming patio - ideal for outdoor dining, and take advantage of the huge backyard, perfect for play, gardening, or simply unwinding and this home includes a versatile storage building, perfect for a workshop, garden shed, or hobby space. This property features a private well and a lawn pump ensuring green landscaping all year round while enjoying the benefits of efficient irrigation, reducing water bills while maintaining a beautiful outdoor space. Also, enjoy the perks of living in a waterfront community with direct sound access and a private dock, ideal for fishing and water activities. In addition, enjoy an evening walk along the sidewalks to one of the two playgrounds that this community offers. Only minutes to Navarre Beach where you can relax on the sugar white sandy beach and dip your toes into the emerald waters of the Gulf of Mexico. Approximately a 25 minute commute to Hurlburt Field. ROOF AND HVAC REPLACED IN 2017. WATER HEATER REPLACED IN 2023. Shed and Washer/Dryer included.
Source: EMERALDCOAST #968005
All values shown are estimated costs / mo.
Source: Public records
Source: EMERALDCOAST #968005
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.