211 Amber Ridge Rd Jacksonville, FL 32218
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About this home
Come see this ''Fabulous Find'' home on a spacious, corner lot in the Cedar Bay community. The kitchen with its large island, walk-in pantry, recessed lighting, tile floors and 42'' cabinets is an ideal fit for the cook in your family. This home features Google Smart Home & Security Technology, Nest thermostat, a separate irrigation meter for sprinkler system, a walk-in tub in the master bath, a generator that will be left with the home, along with washer/dryer, and all appliances, including a new glass top range/oven combo and new dishwasher. There is an additional 447 square feet of heated/cooled flex space in the garage totaling 2,335 square feet. The fenced backyard is loaded with fruit trees including peach, pear, citrus cocktail, apple, orange, kumquat, & pomegranite. You can enjoy all from a cozy screened porch. With a full stucco exterior and stone entry, you will be proud to call this your new home! Home is freshly painted & ready for a quick move-in!
Source: REALMLS #2115040
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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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