5736 Guana Park Ct Jacksonville, FL 32244
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About this home
CULDESAC, SOLAR & a BRICK home with NAS/Cecil Field close by! Notable updates include a WHOLE HOME WATER SOFTENER and New HVAC systems installed in 2022, ensuring year-round comfort. ASSUMABLE RATE 5.5% or 1% credit up to $4,000 toward buyer closing costs and prepaids option SOLAR PANELS will be PAID OFF with acceptable offer. The timeless brick exudes curb appeal, inviting you into a thoughtfully designed interior. The spacious floor plan seamlessly connects the living areas, providing an ideal setting for both relaxation and entertaining. The well-appointed kitchen features modern appliances and ample counter space, catering to culinary enthusiasts who love GAS RANGE/STOVE especially. Primary bedroom offers a tranquil retreat with an en-suite bathroom, while three additional bedrooms provide flexibility for guests. The 4th could be a nonconforming bedroom or home office. For those cold evenings enjoy the gas fireplace and opportunity to host guests on the front porch or back patio. Propane tank just filled by AmeriGas! Gas stove, fireplace and water heater. Situated in a prime location with convenient access to Downtown, nearby shopping centers, grocery stores! Public Kayak launch is in close proximity to the home. Irrigation system sold "AS IS" not currently working. (VA buyers get the lender fee waived, saving them $1,640 extra) when loan is secured through Moises Hall Rate Mortgage, NMLS2299273.
Source: REALMLS #2075578
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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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