10274 Julia Isles Ave Oxford, FL 34484
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About this home
Your dream home awaits! Built in 2020, this beautifully maintained Osprey model is located in the highly sought-after gated community of Lakeside Landings (Enclave). Featuring 3 spacious bedrooms, 2 full bathrooms, and a 2-car garage with an extended brick paver driveway, this home offers both comfort and curb appeal. Step into a welcoming foyer that opens up to a bright and airy open-concept living and dining area, perfect for entertaining guests or enjoying quiet evenings at home. The chef’s kitchen is a true centerpiece, boasting granite countertops, a large breakfast bar, stainless steel appliances, and ample cabinet space. The primary suite is a peaceful retreat with a charming bay window, walk-in closet, and a luxurious en-suite bathroom complete with dual vanities and a walk-in shower. Step outside to your private screened-in lanai, ideal for morning coffee or relaxing evenings, with a serene view of the backyard. Residents of Lakeside Landings enjoy resort-style amenities, including a sparkling pool with waterfall, tennis courts, boat dock with access to Lake Miona, a dog park, playground, and more! With lawn maintenance included in the HOA, you’ll have more time to explore The Villages’ shopping, dining, and free nightly entertainment, all just minutes away with easy access to major highways. Don’t miss your opportunity to own this gem — schedule your private showing today!. $10,000 Seller Credit toward buyer’s closing costs. Listing agent will cover inspection and appraisal fees.
Source: STELLAR #TB8399387
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FAQs
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.