6183 George Hodges Rd Macclenny, FL 32063
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About this home
A beautifully updated two-story Craftsman-style home where space, comfort, and versatility come together on 1.56 peaceful acres in beautiful Baker County. This thoughtfully updated home offers 4 true bedrooms and 4 bathrooms, including two full primary suites—one conveniently located on the first floor, perfect for multigenerational living or long-term guests. With over 2,500 square feet, you'll love the flow of the layout. The main-level primary suite offers privacy and ease, while the upstairs primary retreat features a sitting area and serene second-story views. The additional bedrooms are spacious and well-appointed, providing flexibility for family, home office, or guest use. The kitchen has been updated with modern finishes and plenty of storage, opening into a cozy living area anchored by a wood-burning fireplace. Enjoy your morning coffee or unwind after a long day in the enclosed rear patio, ideal for entertaining or relaxing. No HOA means freedom to enjoy your land your way --garden, park your toys, or even and a pool. Private well and septic keep utilities low. Located just minutes from Macclenny shopping and schools, with easy access to I10 for a quick commute to Jacksonville. Eligible for USDA financing and seller-paid closing costs. Ask how you can buy this home with little to no money down!
Source: REALMLS #2101360
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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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