8678 Rock Creek Rd, Milton, FL 32571
3 beds · 2 baths · 2,647 sqft
Ever dreamed of escaping to your own little slice of paradise, where the sunsets are breathtaking, the kitchen is big enough to dance in, and the only traffic jam involves your chickens crossing the road? Well, welcome to Rock Creek Ranch, a 3.73-acre ranchette that blends rustic charm with all the modern comforts you could ask for (and probably a few you didn’t know you needed). Step inside and be greeted by an open-concept living space, and a cozy gas fireplace—perfect for pretending it’s cold outside while you sip your coffee. Speaking of coffee, the kitchen is a showstopper, featuring a massive island, stylish backsplash, ample counter space, bright lighting, and the ultimate coffee bar setup (because caffeine is essential for country living). The primary suite is a full-on retreat with a freestanding tub and a tile shower so nice, you might start scheduling extra “me time.” Two additional bedrooms mean there’s plenty of room for family, guests, or that one friend who “just wants to experience country life for a weekend” and never leaves. The sunroom is the perfect spot for homeschooling, working from home, or just staring out at your land and feeling like a homesteading pro. Outside, the covered wraparound porch is ideal for rocking chairs, sweet tea, and contemplating life while watching the sun dip behind the mature trees. If you’ve ever wanted a barn/workshop with an RV hookup, congratulations—you’ve found one! The fully fenced property also includes an 11-zone irrigation system, plus space for horses, livestock, and gardening. And yes, there’s even a chicken coop, so your breakfast eggs can’t get any fresher. Located just 15 minutes from Five Points, Rock Creek Ranch gives you the peace and privacy of country living without sacrificing convenience. Don’t miss your chance to own this rare gem—schedule your tour today before someone else snags your dream farm life!
Source: PENSACOLA #661325
All values shown are estimated costs / mo.
Source: Public records
Source: PENSACOLA #661325
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.