See Additional Remarks--- Experience refined coastal luxury at 4319 Sunset Beach Circle, a custom-built residence in the exclusive guard-gated community of Sunset Beach within Bluewater Bay. Offering 3,107 square feet of thoughtfully designed living space, this exceptional home blends elevated design, superior craftsmanship, and energy-efficient construction into one impressive package. A pavered drive and Versailles-pattern travertine walk lead to a covered entry accented with tongue-and-groove wood ceilings and grand mahogany double doors with aged bronze hardware. Inside, natural light pours into the expansive main level where soaring ceilings and seamless travertine flooring connect the formal dining area, great room, chef's kitchen, and breakfast nook. The scale is both dramatic and welcoming, perfectly suited for intimate evenings or larger gatherings. Extensive millwork, custom casings, and curated finishes elevate every space. The great room showcases 22-foot ceilings, statement chandeliers, a gas fireplace, and custom built-ins, all flowing effortlessly into a designer kitchen outfitted with professional-grade stainless steel Viking appliances, including dual convection ovens, a five-burner gas range with pot filler, and a Viking refrigerator. An oversized island with prep sink and beverage station anchors the space, while soft-close cabinetry and a generous walk-in pantry provide abundant storage without sacrificing style. The primary suite is privately situated on the main floor behind double eight-foot doors, offering a serene retreat with a spa-inspired bath featuring dual vanities with Carrara marble tops, a soaking tub, walk-in shower with dual heads, private water closet, and spacious walk-in closet. Outdoor living is equally impressive. French doors and sliding glass panels open to a large covered porch complete with tile flooring, wood-paneled ceilings, and ample space for lounging or dining. Pre-plumbed for gas, water, and electric, the area is ready for a future summer kitchen. Beyond, mature landscaping and a generous sodded lawn create a beautiful and functional backyard setting. Upstairs, two oversized bedrooms each enjoy private en suite baths, while a fourth bedroom--currently used as an office--offers flexibility along with a finished, climate-controlled walk-in storage space. Built with 2x6 construction, spray fiber insulation, and foam roof decking, the home is designed for efficiency and durability. A DECRA stone-coated steel roof with, Rinnai tankless water heater, dual Lennox heat pumps, Manabloc plumbing system, surround sound, and Kevlar hurricane shutters further highlight the home's commitment to quality and performance. Residents of Sunset Beach enjoy exclusive access to Niceville's only bayfront, resort-style pool, private sandy beach, clubhouse, and 24-hour manned security, with HOA dues that include lawn maintenance and lawn irrigation. A custom home of this caliber, in this location, is a rare offering--thoughtfully designed, impeccably finished, and positioned within one of Niceville's most desirable waterfront communities.
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.
