8 WHITE HAVEN LN, Palm Coast, FL 32164
Welcome to 8 White Haven Lane, a quiet and charming residence just 5 minutes from the well-known Pine Lakes Golf Course. This 3-bedroom, 2-bathroom home combines style and practicality, with a split floor plan, and kitchen overlooking the living room for endless family time. Offering a warm and welcoming atmosphere, Step inside to find wood laminate flooring throughout the main living areas including the living and dining room, along with ceramic tile in the kitchen that ensures elegance, ease of maintenance, and durability. The secondary bedrooms are equipped with carpet, creating a cozy and safe environment; ideal for children and pets. The spacious primary bathroom is designed with relaxation in mind, equipped with a soothing bathtub featuring a privacy window, a separate shower, jack and jill sinks, and dual closets to accommodate all your storage needs. Recent updates include a new roof installed in 2023, a screened-in back patio, and brand-new appliances installed in 2024. While the A/C is 2019 and the water heater is 2018; they are still recently updated and well-maintained. Whether enjoying a leisurely day on the golf course or relaxing at home, 8 White Haven Lane offers the perfect blend of convenience, comfort, and modern living to fulfill all your family needs!! To schedule a showing, Please use showing-time, and call or text agent beforehand.
You may be able to put down less than the total down payment amount of $121,515 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #fc303544