78558 Goldfinch Ln Yulee, FL 32097
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About this home
Welcome to this beautifully maintained 4-bedroom, 2-bath home on a large corner lot in the sought-after Plummer Creek community! Even better, it comes with an ASSUMABLE 2.25% VA loan—a rare opportunity for qualified buyers. And did we mention it's priced to sell? From the moment you step inside, the open-concept kitchen and living room create a warm, inviting flow that's perfect for both daily living and entertaining. The kitchen is a true standout, featuring granite countertops, white cabinets, double ovens, a glass cooktop, and a large island that's perfect for meal prep, casual dining, or gathering with friends and family. A spacious dining room offers even more room to host family gatherings or set up a great flex space. The owner's suite is a true retreat, featuring peaceful backyard views, dual vanities for personal space, a soaking tub, a walk-in shower, and a generous walk-in closet. Three additional bedrooms provide plenty of space for family, guests, office or hobbies. Step outside to your fully fenced backyard with a screened lanai, ideal for morning coffee or evening relaxation. With ample room for BBQs, playtime, or pets, this outdoor space is designed for making memories. This home is packed with extras, including solar panels that will be paid off at closing, an upgraded hybrid water heater, an enhanced sprinkler system, and energy-efficient living throughout. Plummer Creek is a vibrant community offering a pool, playground, kayak launch, and moreall with NO CDD fees and low HOA. Conveniently located near I-95, shopping, dining, and top schools, this home checks every box. Don't miss your chance to call this beautiful property yoursschedule your showing today!
Source: REALMLS #2111156
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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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