3303 Henry Lee Rd Hilliard, FL 32046
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About this home
Peaceful Country Living with Custom Comforts on 4.25 Acres - No HOA! Imagine starting your day with a hot cup of coffee or winding down at sunset on the inviting front porch of this stunning custom-built home. Nestled on a generous 4.25-acre corner lot, this property blends modern comfort with serene country charm. Step inside to soaring 9-foot ceilings that create a spacious, airy feel throughout. Built for longevity, the home features a lifetime metal roof and durable Hardi lap siding. The heart of the home is the gourmet kitchen—perfect for any cooking enthusiast—with custom cabinetry, a gas cooktop, built-in oven, granite countertops, and a warm, butcher block island. The walk-in pantry includes custom shelving to keep everything organized and within reach. The thoughtfully designed split-bedroom layout offers 3 large bedrooms, 2 full bathrooms, and a light-filled office—ideal for remote work or a quiet reading nook. Natural light pours in from every angle, enhancing the sense of calm and comfort in every room. With two convenient entrancesone from Henry Lee Rd and another from County Rd 121access is a breeze, and there's plenty of space to spread out. Need room for projects or toys? The 1,200 sq ft detached garage, built in 2021, is fully equipped with three 10-foot doors, a 50-amp panel, 220V outlet, and ample outlets and lightingperfect for hobbies, storage, or a workshop. Located in the desirable Mills Creek area, known for its large lots and newer custom homes, this property offers the privacy and freedom of country living. Whether you're entertaining guests, working from home, or seeking a peaceful retreat, this home checks all the boxesand best of all, there's no HOA!
Source: REALMLS #2090800
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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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