1099 Cornell Ln, Atlantic Beach, FL 32233
3 beds · 2 baths · 1,424 sqft
Open House This Saturday 3-5pm! This Beach Beauty has been completely updated and upgraded to perfection! Featuring 3 bedrooms and 2 beautifully remodeled bathrooms, this home offers the best of modern beach living. The wood-like luxury vinyl floors in the living areas, hallways, and dining room were newly installed in 2024, while the bedrooms feature like-new carpet for added comfort. The dream chef's kitchen showcases stunning custom cabinets with soft-close drawers and doors, elegantly finished with crown molding and special lighting for a touch of class. The master bath is spacious and luxurious, with a large walk-in shower, separate bathtub, and updated cabinets and lighting. Freshly painted and wrapped in long-lasting hardy board siding, this home has been meticulously upgraded with no expense spared. Major updates include a new er roof, AC, and water heater, with the added bonus of a tankless system. Step outside to a private, fully fenced backyard, complete with a charming paver path leading to your barbecue and picnic areaperfect for outdoor entertaining. There's also a shed in the backyard for additional storage. The spacious, meticulously maintained yard is like a private oasis, featuring a thick, luscious lawn, a variety of fruit trees, and endless possibilities for gardening and entertaining. The paver brick driveway has been extended to accommodate additional parking, and the home includes a covered carport for added convenience. Pride of ownership is evident throughout, and there's a full list of upgrades and additional information available in the documents section. This home truly offers the best of coastal living with modern upgrades and a prime location near the beach. It's a must-see to truly appreciate everything it has to offer!
Source: REALMLS #2050759
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Why Roam
Gap financing to lower your down payment
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If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
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Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: REALMLS #2050759
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.
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