Welcome to 604 Huck Finn Dr.--where Modern Comfort Meets Southern Hospitality. If you've been looking for a place to hang your hat that feels just like home from the moment you pull into the drive, then look no further than this single-story Brick 3/2 - a gem located in South Crestview on a beautifully landscaped, level lot in the Riverchase subdivision. A Solid Foundation: Enjoy peace of mind with a new roof installed in 2021 and a new A/C system from 2020, ensuring your home stays cool and protected for years to come. Modern Touches Throughout: Step inside to discover an exceptionally clean interior featuring stainless steel appliances, updated cabinets, and handsome solid surfaces. Southern Living at its Finest: The 16x10 screened-in back porch is the ultimate spot for sipping sweet tea and enjoying the Florida breeze year round. Room for Adventure: Need a place for the toys? This property boasts ample space for RV parking, making it the perfect home base for your next road trip or outdoor excursion. Spacious & Private: The 1,673 sq. ft. layout features 3 bedrooms + bonus room and 2 full bathrooms, including a large master suite with a generous walk-in closet. And, YES, it has a soaker tub! Outdoor Essentials: The fenced lot provides plenty of privacy, while the built-in sprinkler system keeps your lawn looking lush and green with minimal effort. Whether you're hosting a backyard BBQ or enjoying a quiet evening on the porch, 604 Huck Finn is ready to welcome you home. *****The VA LOAN IS ASSUMABLE! *****NO HOA *****Fenced yard / Level Lot *****RV Parking *****South Crestview. The Listing Broker and the Seller are making no claims or warranties of such property. It is the sole responsibility of the buyer to inspect the property to determine its actual condition, size and best usage.
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.
