319 Hickory Hollow Dr N Jacksonville, FL 32225
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About this home
Priced to Sell - Prime Location & Huge Potential! This beautiful home is full of promise and offered as-is! It's the perfect opportunity for buyers ready to refresh and create instant equity in one of Jacksonville's most desirable areas. With minor cosmetic updates plus roof and ducting repairs or replacements, this home can quickly become a standout with exceptional return value. The spacious floorplan offers plenty of room to design to your taste, while the peaceful cul-de-sac setting and established neighborhood provide charm and curb appeal. Location is everything, and this one delivers—just minutes from shopping, dining, commuter routes, and Jacksonville's beautiful beaches. Add in the highly regarded school districts, and you have a winning combination for both immediate comfort and long-term investment. Don't miss your chance to own in this sought-after community and unlock the full value of this property!
Source: REALMLS #2107969
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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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