Come experience the quintessential Niceville lifestyle here at 300 Piney Creek Cv; a custom-built 3 Bedroom, 2 1/2 Bath single-level home, with an oversized 3-car garage, nestled on a desirable corner lot spanning nearly half an acre in the prestigious Swift Creek neighborhood where community charm meets unparalleled convenience. This sought-after enclave is perfectly positioned for those seeking a balance of professional proximity and coastal leisure. From the moment you arrive, the manicured landscaping and quality architecture set a sophisticated tone that carries throughout every inch of this well-maintained residence. Step through the front door to find a tumbled-marble entry wall that perfectly complements the warmth of the Australian chestnut wood floors. Just off the foyer, there is a spacious home office/flex space features floor-to-ceiling bay windows, with adjacent half-bath; perfect as a work-from-home office, playroom, or as an additional overnight guest room. The open-concept layout of the home features high ceilings throughout and a seamless flow between the dining areas and the expansive great room. Here, a custom fireplace and floor-to-ceiling sliding glass doors out to the sunroom/porch room create an inviting atmosphere for both quiet evenings and elegant entertaining. The heart of the home is the gourmet kitchen, a chef's dream outfitted with custom cabinetry, premium stainless steel appliances--including a gas stove and wall oven - together with a cent er island. It opens to an oversized breakfast area and a comfortable living space accented by built-in shelving and designer finishes. For those seeking a true indoor-outdoor lifestyle, the "3-season" sunroom features Eze-Breeze bronze-tinted windows, offering a tranquil spot to enjoy the breeze without the elements, leading out to an expansive patio perfect for summer grilling. The large primary suite serves as a private retreat, complete with a sitting area and a spa-inspired bathroom featuring dual vanities, a whirlpool tub, separate shower, and an oversized walk-in closet. The split floor plan ensures privacy for guests or a home office, while the functional laundry room provides ample cabinetry and workspace. Beyond its aesthetic appeal, this home is engineered for peace of mind and convenience. It boasts a whole-house Generac generator (recently serviced) that protects the entire property automatically, an oversized 3-car garage to house all your outdoor gear, a whole-house vacuum system, and abundant attic storage. A brand new HVAC system and water heater have just been installed, and a new 3-dimensional shingle roof will be installed prior to closing with acceptable offer. Residents also enjoy the world-class amenities of Swift Creek, including a gorgeous clubhouse, swimming pool, tennis courts, basketball court, park, and scenic nature trails. This is more than just a home; it is a refined lifestyle waiting for its next chapter! Families will appreciate being within the footprint of Niceville's top-performing, A-rated schools, while military professionals will enjoy a seamless commute to Eglin Air Force Base, 7th Group HQ, Duke Field, and Hurlburt Field Air Force Base, and in close proximity to the i10 interstate corridor just to the north. Beyond the neighborhood's peaceful manicured streets, the best of the Emerald Coast awaits! You are just a short drive from the world-famous sugar-white sands and emerald waters of Destin and the scenic beauty of 30A. Whether you're spending a quiet afternoon under the neighborhood's towering oaks or heading out for a day of luxury on the Gulf, Swift Creek offers the perfect home base for a life of convenience within an upscale sought-after community. Don't delay in making this beautiful home yours!
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
