**2. 25% assumable va loan + $7,500 carpet credit! ** assume the seller's 2. 25% va loan with $303,000 balance at just $1,839/month (p&i)save $915/month vs. Current 7% rates. That's $10,980/year or $220,000+ over 30 years in interest savings. Plus choose your own carpet style with a generous $7,500 credit at closing. Requires approximately $212,000 down to assume. Perfect for military relocations, cash strong buyers, or anyone with equity from a previous home sale. **spacious 5br/3. 5ba home with energy savings:** this 4,032 sq ft home features an open concept floor plan with main level primary suite (walk in closet, double vanity, separate shower, soaking tub), plus four additional bedrooms and oversized bonus room upstairs. Enjoy pond views from the covered back patio or launch your included john boat for fishing. The jack and jill bath upstairs and welcoming foyer add convenience and charm. Energy efficient features put money back in your pocket: fully paid off solar panels save $200 $300/month, dual hvac systems with uv air purifiers, and average total utilities of just $150 $200/month. One year home warranty included. **customize your flooring:** seller's $7,500 carpet credit at closing lets you choose luxury plush, pet friendly materials, or any premium style you prefer. **prime magnolia hills location:** located in family friendly manors of magnolia hills with playground just out your front door and only 20 minutes to tyndall afb. Easy access to cedar grove elementary, merritt brown middle, and bay high school. Close to shopping, dining, and major roadways. Additional features include large backyard storage shed, fenced yard, sprinkler system, and covered front porch. **why this is a rare opportunity:** assumable loans at 2. 25% are virtually extinct. Most buyers face 7%+ rates, paying nearly $1,000 more monthly for the same loan amount. You'll save $915/monthenough to recoup the higher down payment through lower payments in just 10 years, then profit for the remaining 20 years. The combination of below market financing, paid off solar panels, and flooring customization flexibility makes this an unbeatable value in bay county. Property is tenant occupied with immediate possession at closing. Buyer must be va eligible to assume this one. Schedule your showing todaydon't miss this exceptional financing opportunity!