41 Palisade Dr Saint Augustine, FL 32092
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About this home
PRICE IMPROVEMENT! VA assumable loan for qualified buyers. Welcome to this spacious and inviting David Weekley home, ideallys located in the sought-after Shearwater community. Designed for both comfort and function, this home offers the perfect layout for everyday living and entertaining. The spacious kitchen is perfect for hosting dinner parties and family gatherings, flowing seamlessly into the open living and dining areas. Unwind in the evenings on the large L-shaped lanai, or gather around the backyard fire pit to enjoy relaxing nights and even roast marshmallows for s'mores with family and friends. The primary suite is conveniently located on the first floor for ease of access and everyday comfort. An additional first-floor bedroom is ideal for guests, and there's also a dedicated home office, perfect for remote work or a quiet study space. Upstairs, you'll find two more bedrooms and a versatile loft space—ideal for a playroom, media room, or teen hangout. The home also features plenty of storage throughout. Just a short walk from your front door, you'll enjoy Shearwater's premier amenities, including the resort-style lagoon and lap pool, lazy river, clubhouse, state-of-the-art fitness center, and lighted tennis courts. Additional community features such as the dog park, community garden, playground, and kayak launch are just a short drive or bike ride away. With miles of scenic trails for walking, jogging, or biking, every day offers a new opportunity to explore and unwind. Don't miss the chance to make this exceptional home yoursschedule your private tour today!
Source: REALMLS #2099119
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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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