6508 Fall St, Milton, FL 32570
4 beds · 2 baths · 2,013 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to your dream home in one of Milton's most established and family-friendly neighborhood at Harvest Point --just minutes from the beautiful Blackwater River, NAS Whiting Field, and the charm of Historic Downtown Milton. This spacious 4-bedroom, 2-bath, all-brick home blends timeless style with modern upgrades and offers the perfect setting for comfortable everyday living and effortless entertaining.Step inside and you'll immediately notice the warm, open layout, natural light, and the attention to detail throughout. With no carpet anywhere, the entire home features easy-to-maintain flooring--perfect for kids, pets, or anyone looking for a cleaner, more modern feel. Arched entryways and upgraded lighting create a touch of elegance, while the formal dining room offers a a great space for holidays and family dinners. The kitchen is truly the heart of the home, complete with granite countertops, stainless steel appliances, custom lighting, and plenty of cabinet space. It opens seamlessly into the living area, making it easy to stay connected while cooking or entertaining. Retreat to the large master suite, which features his-and-hers walk-in closets and a spacious en-suite bathroom with double vanities, a garden tub, separate shower, and private toilet room. Out back, you'll fall in love with the oversized screened-in porch, perfect for morning coffee, game days, or just enjoying a quiet evening. The fully privacy-fenced yard offers peace of mind for kids and pets to play freely, and the two storage sheds provide all the extra space you need for tools, toys, and hobbies. With an all-brick exterior for low maintenance, a large covered front porch, and thoughtful updates throughout, this home offers both charm and functionality in a location that's hard to beat. Surrounded by friendly neighbors and nestled in a quiet, well-established community, this one checks all the boxesand then some. Don't miss the opportunity to make this move-in-ready home yours!
Source: EMERALDCOAST #973156
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 #973156
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.