12010 Mission Creek Ln Jacksonville, FL 32218
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About this home
$10,000 Seller Credit with Acceptable Offer! Don't miss this beautifully maintained 4BR/2BA home with 2,238 SF in the desirable Parker Place community. Features include LVP flooring in main areas, an open-concept layout, and a spacious kitchen with two sinks, dual pantries, and abundant counter space. The owner's suite offers dual walk-in closets, a soaking tub, and a separate shower. Enjoy wooded views from the enclosed rear patio. Conveniently located near River City Marketplace, JAX International, and major highways. With low HOA fees, no CDD, and a motivated seller, this home offers unbeatable value and location. Schedule your showing today before it's gone! This property offers more than just square footage it's a lifestyle upgrade in a high-demand location. Here's what sets 12010 Mission Creek Ln apart: Located in Parker Place, an established and quiet community in the Garden City area of North Jacksonville Low HOA fees and no CDD fees - a rare find in today's market Over 2,200 SF of functional, well-designed living space LVP flooring throughout most of the home for durability and style Double-sink kitchen with double pantries and abundant counter space Oversized owner's suite with his & her walk-in closets, soaking tub, and separate shower Finished rear porch with a peaceful wooded view - ideal for relaxing or entertaining Convenient to River City Marketplace, UF Health North, I-295/I-95, and JAX Airport Close to schools, parks, and essential services Nearby RV and boat storage available - perfect for outdoor enthusiasts A great opportunity for buyers seeking space, convenience, and long-term value in a growing part of Jacksonville.
Source: REALMLS #2103188
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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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