9415 Pebble Stone Dr, Pensacola, FL 32526
5 beds · 3 baths · 3,076 sqft sqft
Price improvement!!! motivated sellers!! Look at the wonderful features of this fairly new home. Luxury living in the sought after Vintage Creek. Pool and gated community. The McKenzie (5 bedrooms, 3 bathrooms) is a best seller with its 9 foot ceilings, split foor plan and a very open floor plan. A study is located across from the dining room in the front of the hoje. The owners have done a few upgrades to add to this pristine home. A new backsplash was added in the kitchen. Tile was added to the back patio and a slab was added to extend the patio to include an outdoor kitchen. Counter tops are granite throughout. The very spacious Master bath features 5 inch tile in the shower w/ a bench seat, large walk in closet as well as a linen closet. The original open air design in the foyer, dining, living room, kitchen, and primary suite are enhanced with crown molding and trey ceiling. There is ample storage in the pantry and laundry room making organization a breeze. There is an electric 50 gallon water heater and efficient heating and cooling system. Beautiful flooring in the foyer, living, dining, and halls give this home an impeccable look. **Seller willing to pay for solar panels at closing with full List Offer. Willing to negotiate if less than full List offer is made on property** This home is a Showstopper. Don't miss the chance to make this your dream home.
Source: PENSACOLA #647059
Interest rate and monthly payment estimated based on public records.
Source: PENSACOLA #647059
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: #647059
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