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452 Sandy Ridge Cir, Mary Esther, FL 32569
4 beds · 2 baths · 1,875 sqft
*Assumable 3.75% VA Loan Available* Welcome to 452 Sandy Ridge Circle a spacious, thoughtfully updated home tucked inside a peaceful neighborhood on the sound-side of Highway 98, near the Hurlbert Field and Navarre Beach. This 4-bedroom, 2-bath gem boasts a full interior refresh with new carpet, fresh paint, updated French doors, and 8 modern ceiling fans throughout. The large upstairs bedroom offers incredible flexibility, ideal as a guest suite, home office, or studio space.The kitchen features a Samsung range, new faucet, and upgraded outlets, while the bathrooms shine with new toilets, updated sinks, modern tile, and refreshed cabinetry. Upstairs bedrooms have new doors and closet systems, and the master bath includes a renovated sink and vanity. The privacy fence around is brand new! Just in time for summer bbq's. Even the attic door and garage access have been updated for functionality. The fully repainted interior is clean, turnkey, and move-in ready. Close to top-rated schools, dining, and just a quick drive to the white sands of Navarre Beach, this home blends comfort, practicality, and location into one solid investment. Schedule your showing today!
Source: EMERALDCOAST #977228
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 #977228
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.
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