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1049 Napa Way, Niceville, FL 32578
3 beds · 3 baths · 2,351 sqft
*Buyer incentives offered! Seller will assist with closing costs/rate buy-down.* Welcome to Bluewater Bay's Charming Chardonnay Estates! This stunning 3-bedroom, 2.5-bath home is perfectly nestled close to the beaches, shopping, and military bases, offering convenience and comfort. Step inside to be greeted by an open floor plan featuring 11-foot tray ceilings and a cozy dual-sided fireplace, seamlessly connecting the living room and kitchen. The spacious kitchen boasts a stone backsplash, rich cabinetry, and a bright breakfast nook overlooking the backyard. Retreat to the expansive master suite, complete with elegant back-lit tray ceilings, double closets, and a spa-like en suite with a whirlpool tub, double shower heads, and a separate shower. Enjoy versatile living with a bonus room off the living area and a formal dining room that can easily double as a home office or play area. Step outside to a fully fenced backyard, offering privacy and a perfect spot for gatherings. This adorable neighborhood is a rare find - don't miss your chance to call this beautiful home yours!
Source: EMERALDCOAST #976720
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: EMERALDCOAST #976720
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.
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.
No credit check. Takes 2 minutes.