9180 Tara Cir, Milton, FL 32583
5 beds · 3 baths · 2,830 sqft sqft
This five-bedroom home, built in 2021, (Transferrable Builder's Warranty in effect until 2031) blends modern design with practical elegance. Its open floor plan creates a seamless flow between the main living spaces, offering a sense of spaciousness and connectivity. Upon entering, you're greeted by a large, airy foyer leading to the heart of the home—a bright and expansive living room with ample windows, flooding the area with natural light. The living room flows into the kitchen, featuring an extra large pantry, a large island, quartz countertops, stainless steel appliances, and custom cabinetry. Adjacent to the kitchen is a dining area, perfect for entertaining. The five bedrooms are well-distributed, offering privacy and comfort. The primary suite is a luxurious retreat, and an ensuite bathroom featuring dual vanities, a separate glass-enclosed shower, and a laundry room that offers direct access to the primary suite. Conveniently connecting to the walk-in closet, the primary bathroom, and the bedroom itself, the laundry room makes household chores more seamless. 9180 Tara offers two bedrooms at the front, sharing a spacious bathroom. In the rear of the home, two additional bedrooms share another well-appointed bathroom, offering a similar layout with easy access from both rooms. Perfect for guests or family members, this area provides privacy and convenience. This careful distribution of rooms, combined with the open floor plan and convenient laundry access from the primary suite, creates a perfect blend of communal living and personal retreat spaces throughout the home. The additional office provides a quiet space for remote work or study. Located on a corner cul-de-sac lot, the home offers a larger yard with ample space for outdoor activities or gardening. The fenced in backyard can be accessed through from the living area, leading to a covered patio perfect for outdoor dining or relaxation.
Source: PENSACOLA #652168
Interest rate and monthly payment estimated based on public records.
Source: PENSACOLA #652168
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: #652168
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