1019 Briarcreek Rd, Jacksonville, FL 32225
3 beds · 2 baths · 2,256 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to your new home in the heart of Jacksonville! This captivating single-family residence boasts 3 cozy bedrooms and 2 full bathrooms, making it the perfect retreat for families seeking both comfort and style. Built with family in mind, this home features an expansive family room, complete with a warm and inviting fireplace that becomes the heart of the home during those cooler Florida evenings. The separate office space provides a quiet area for work or study, ensuring productivity and privacy. The open floor plan seamlessly connects living spaces, offering flexible areas that can adapt to your family's needs, whether it's for entertainment, relaxation, or hosting memorable gatherings. Enjoy the elegant touch of a tray ceiling in the owner's suite, which also includes a luxurious soaking tub, separate shower, and a spacious walk-in closet, providing a private oasis to unwind. Step outside to the covered patio, equipped with a ceiling fan, perfect for enjoying the balmy Jacksonville weather. The large backyard presents endless possibilities for outdoor activities and family fun. Living here also means enjoying community amenities, such as a refreshing pool and a dedicated splash park for the little ones, alongside a charming playground for hours of play. And rest easy knowing that the roof was newly installed in 2021 and AC in 2022, offering peace of mind and protection for years to come. You're not just buying a house; you're investing in a lifestyle that your family will cherish. Come see why this is the ideal place to call home.
Source: REALMLS #2069018
All values shown are estimated costs / mo.
Source: Public records
Source: REALMLS #2069018
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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.
Data provided is deemed reliable but is not guaranteed. The data relating to real estate for sale on this website comes in part from the Northeast Florida Multiple Listing Service, Inc. The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. Copyright © 2025 Northeast Florida Multiple Listing Service, Inc. All Rights Reserved.
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