1094 VICTORIA HILLS CT, Jacksonville, FL 32221
Dream Home Awaits: Modern Marvel on a Serene Cul-de-sac Welcome to your forever home! This stunning, newly built 2-story smart home offers the perfect blend of luxury and functionality, designed for today’s modern lifestyle. With 5 spacious bedrooms and 3 full bathrooms, there’s ample room for family, guests, or even a dedicated office space for remote work Step inside and be greeted by an expansive open-concept layout that seamlessly connects the living room, dining area, and gourmet kitchen. Imagine entertaining friends and family in a space that boasts gorgeous granite countertops, sleek 52-inch cabinets, and top-of-the-line appliances. The abundant natural light pouring in through large windows creates a warm and inviting atmosphere. Retreat to your private sanctuary in the master suite, complete with a lavish walk-in closet and an elegant ensuite bathroom. Each additional bedroom provides generous space and comfort, ensuring everyone has their own personal haven. This home is packed with modern conveniences, including a washer and dryer, ceiling fans for those warm summer nights, and smart home features that keep you connected and in control. Your new home also comes with beautiful window blinds, providing both privacy and style. Step outside to discover your large backyard, perfect for summer barbecues, playdates, or simply enjoying the peace and quiet of your cul-de-sac location. With a 2-car garage, you’ll have plenty of storage for all your toys and tools. Built in 2023, this home is practically brand new and waiting for you to make it your own. Don’t miss this incredible opportunity to own a slice of paradise in an idyllic neighborhood. Schedule your private showing today and experience the perfect blend of comfort, style, and modern living!
You may be able to put down less than the total down payment amount of $218,464 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
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?
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?
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?
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #s5107486