1140 Hickman Rd Jacksonville, FL 32216
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About this home
Welcome home to your spacious retreat with over 3000 square feet of living space on almost an half-acre. You wish for privacy, this home has it with its mature landscaping and tress. Plenty of space to entertain friends & family with two large flex/family rooms with both offering beautiful wood burning fireplaces. Kitchen offers stainless steel appliances, granite countertops & an eat-in area for family dinners. The primary bedroom offers an en-suite and a walk-in closet. Detached guest house has its own private entry, full kitchen, bathroom, bedroom & laundry closet. The guest house can be used as an in-law suite or potentially as a rental opportunity. Plenty of parking with an oversized carport & a one car garage with a workshop area. Do not let this one get away. Roof and windows were replaced in 2017, as well as plumbing updated in both homes. Water softener system is owned and only a few years old! Buyer to verify public schools and sq. ft. Come see all this home has to offer.
Source: REALMLS #2108373
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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.
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