6870 La Loma Dr Jacksonville, FL 32217
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About this home
Tucked within the highly sought after San Jose Forest neighborhood, this impeccably renovated ranch home blends timeless charm with modern luxury all just steps from the Bolles School, shopping and dining. As you step inside, you're greeted by an open floorplan flooded with natural light, rich hardwood (Montara Reserve) flooring, and crisp fresh paint throughout. The heart of the home is the chef's kitchen: quartz counters, custom white shaker cabinets with soft close hardware , a Thermador appliance package (gas cooktop, speed/convection oven, wine fridge, built- in dishwasher), and a farmhouse sink that anchors the airy island. Entertain guests effortlessly. The kitchen flows into a spacious dining and living area. Dual access to a deck invites scenic-indoor-outdoor living, perfect for morning coffee or evening get togethers. Retreat to the luxurious master suite, featuring two walk in closets and a tranquil bath with designer tile accents. The other remaing bedrooms are generously sized and joined by a Jack & Jill Bathroom. All bathrooms were fully renovated in 2021 and include quartz surfaces and e-flush toilets. Additional features include New HVAC 2021, Refinished Parquet bedroom floors, freshly paved driveway, spacious .32 acre fenced lot.
Source: REALMLS #2102677
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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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