4931 Key Lime Dr Unit 306 Unit 306 Jacksonville, FL 32256
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About this home
Welcome to Summer Key - A Premier Key West-Style Gated Community in the Heart of Jacksonville's Southside! * Built in 2018, with a lower HOA than many older units. Nestled in a prime location, Summer Key offers the perfect blend of comfort, convenience, and lifestyle. Just minutes from St. Johns Town Center, top hospitals, and the University of North Florida, this dog-friendly community provides effortless access to everything you need for both work and play. This beautifully maintained 2-bedroom, 2-bathroom condo is located on the third floor and is move-in ready! Featuring a spacious and inviting layout, the large living room is ideal for relaxing or entertaining, while the dedicated dining area is perfect for celebrating life's special moments. The modern kitchen is a true highlight, offering ample cabinet space, solid surface countertops, stainless steel appliances, and a convenient breakfast bar. The primary suite includes a walk-in closet and a stylish ensuite bath wit Enjoy peaceful views of the community and tranquil pond from your private balcony, the perfect spot to unwind after a long day. Additional perks include: * Assumable VA home loan rate of 4.9% * Walking paths, bike trails, and a children's playground for an active, family-friendly atmosphere Summer Key is recognized as one of Jacksonville's top condo communities, and features a 7,400-square-foot recreation center packed with exceptional amenities: * Indoor basketball court * Resort-style pool and hot tub * Fitness center * Playground * Entertainment room * Internet work center * Billiards room Don't miss the opportunity to make this stunning condo your new home!
Source: REALMLS #2086492
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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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