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76 Mosaic Oaks Cir, Santa Rosa Beach, FL 32459
3 beds · 3 baths · 1,874 sqft
Welcome to Mosaic Oaks, a quiet community just minutes from the sugar-white beaches of 30A. This 3-bedroom, 2.5-bath home offers 1,874 square feet of thoughtfully designed living space in one of Santa Rosa Beach's most convenient locations. Step inside to find fresh paint throughout, brand-new carpet upstairs, and an open-concept layout that feels both spacious and inviting. The kitchen includes stainless steel appliances, two pantries, and a breakfast bar that flows into the living and dining areas ideal for everyday living and entertaining. Upstairs, the primary suite offers a private balcony, two walk-in closets, dual vanities, a soaking tub, and a separate walk-in shower. Other highlights include a newer HVAC system, Reme Halo air purifier, second-floor laundry hookups, attic stairs for storage, an outdoor shower, a well-fed sprinkler system, and an attached garage. Mosaic Oaks offers a peaceful neighborhood setting with sidewalks and green space, perfect for walking or biking. You're just minutes from beaches, local dining, shopping, dog park, scenic parks, and trails. If you're looking for a low-maintenance home in a welcoming coastal community, this one is worth the wait.
Source: EMERALDCOAST #976518
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 #976518
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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