78 Whippoorwill Dr, Palm Coast, FL 32164
3 beds · 2 baths · 1,176 sqft sqft
Charming Single Family Home in the Heart of Palm Coast! Welcome to your serene oasis in Palm Coast! This delightful single-family home sits on close to a 1/4 acre lot, featuring a huge backyard surrounded by beautiful mature trees, creating a private retreat you’ll love coming home to. The open floor plan boasts high ceilings and a thoughtful split plan layout, making it perfect for both family living and entertaining. Natural light floods the space, enhancing the welcoming ambiance. Location, Location, Location is key, and this home does not disappoint! You’re only 3 minutes from Pine Lakes Golf Club, a local favorite designed by the legendary Arnold Palmer. Enjoy the convenience of being just minutes away from Flagler Colleges, shopping malls, entertainment options, and a variety of restaurants. Plus, you’re only 15 minutes from the stunning Flagler Beach, where you can soak up the sun and enjoy the coastal lifestyle. Welcome to this charming single-family home offering peace of mind and modern updates. With a new roof (2022), new AC (2020), and a septic system that’s been serviced in 2020 and is maintained by the City of Palm Coast Utility Department, you can rest easy knowing that this system is up to date and well taken care of. The owner won't have to worry about any septic tank maintenance—it's all handled by the city. This home is ready for worry-free living, providing comfort, reliability, and convenience for years to come. Don’t miss your chance to own this beautiful home in a prime Palm Coast location—schedule your showing today!
Source: STELLAR #o6253377
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6253377
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What 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.
MLS ID: #o6253377
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.