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1020 Bittern Ct, Middleburg, FL 32068

4 beds · 2 baths · 2,193 sqft

Unable to find your dream home on the market today? Don't miss this exceptional opportunity! FHA ASSUMABLE LOAN at 3.26%!!! Explore this stunning four-bedroom, two-bath brick home nestled at the head of a tranquil cul-de-sac in the highly desirable Two Creeks Community. This residence features expansive living areas with vaulted ceilings and newly installed luxury vinyl plank flooring that flows seamlessly throughout. Panoramic 3 panel multi-slide glass doors offer breathtaking nature views and enhance the indoor/outdoor living experience when the weather permits. A dedicated home office with double glass doors provides privacy and a functional workspace. The kitchen, ideal for entertaining, boasts warm freshly painted cabinets, a double oven, matching stainless steel appliances, and a spacious walk-in pantry. Host memorable family gatherings in the formal dining room or enjoy a late morning coffee in the inviting kitchen nook. The oversized primary bedroom, detailed with a trey ceiling, connects to a luxurious bathroom featuring his and her closets, a deep soaking tub, and a generous walk-in shower. Each room is bright and versatile, perfect for a nursery, art studio, or guest room. Convenient smart home features include a thermostat and a security system. The Two Creeks Community offers resort-style amenities, including a basketball court, pool/children's pool, fitness center, jogging path, playground, and tennis court. Plus, with easy access to the First Coast Expressway, shopping and commuting are a breeze.

Roam helps you take over the seller’s lower interest rate 1
We help you assume the seller's mortgage and avoid higher prevailing market rates.

45-day closing guarantee 2
We work directly with the mortgage servicer to help you quickly and easily close the transaction.
Location
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Details
Home
Size
2,193 sqft
Lot size
0.35 acres
Year built
2009
Type
Single Family Residence

Source: REALMLS #2045120

How it works

Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.

Tour

Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.

Offer

Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.

Close

Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.

Who can qualify

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.

Frequently asked questions

What is Roam?

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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.

What is an assumable mortgage?

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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.

Why is an assumable mortgage valuable?

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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.

How can you find assumable mortgage listings?

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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 “Get Notified” 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.

How do I qualify for an assumable mortgage?

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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.

View all FAQs
Last updated: Oct 16, 2024 06:07 am
Listing agent: APRIL ERSTAD (763) 568-2946
Listing provided courtesy of: EXPLORE REALTY INC. (904) 509-2947
Details provided by REALMLS and may not match the public record.
MLS ID: #2045120
The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Everystate are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers.
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.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.
Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 30 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.