13142 Christine Marie Ct Jacksonville, FL 32225
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About this home
5.76% Assumable Rate! Motivated Sellers! Immaculate 4BR/2BA home on a quiet cul-de-sac in the highly desirable Girvin area! This move-in ready home features an open floor plan, updated kitchen, stainless steel appliances, and a large island. New fixtures, paint and a spacious primary suite with walk-in closet and dual vanities. Enjoy a fully fenced backyard, covered patio, and 3-car garage. Conveniently located near Atlantic & Neptune Beach, Mayport Naval Station, top-rated schools, and major shopping/dining. No CDD | Low HOA | Coastal Living | Turnkey Schedule your private showing today—this one won't last! The bathrooms feature updated plumbing fixtures, & stylish light fixtures have been added throughout the home. Freshly painted interior ready for you! The laundry room is equipped with built-in cabinets, washer and dryer, and every room features ceiling fans for added comfort. Additional highlights include a whole-house water softener, invisible front door screen, portable generator hookup, and updated exterior paint (2020). French doors lead to a screened-in patio with pavers and ceiling fan, overlooking the fully fenced backyard with updated 6' vinyl fencing for added privacy. Just three homes down, enjoy private access to the community dock and kayak launch on Mt. Pleasant Creek perfect for peaceful paddling or fishing. Bonus: Sellers have an assumable loan at just 5.625% a rare and valuable opportunity in today's market! Don't miss your chance to own this move-in-ready gem in a prime location.
Source: REALMLS #2095784
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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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