1156 Spanish Bay Ct, Orange Park, FL 32065
5 beds · 4 baths · 3,490 sqft sqft
Welcome to your dream home in the heart of the prestigious Eagle Landing community! Upon entering this Exquisite home you will be greeted by a grand entrance with soaring ceilings, beautiful Iron spindle railings, and double crown molding! To the right is an executive office with bow windows, plantation shutters and crown molding. This stunning home has a gourmet kitchen with beautiful pendant lights, spacious granite countertops, brand new overhead stove and dishwasher, and a new backsplash all the way to the ceiling. The expansive and vaulted family room with beautiful wood beams, and large windows, fill the space with natural light, and invites quality time and relaxation to create memories that last a lifetime! The luxurious master suite has a tray ceiling, bow windows, and plantation shutters located on the first floor. Upstairs, you will find a Theater room and a huge loft that leads out onto a Balcony overlooking a beautiful preserve. The many upgrades add elegance and sophistication to the home; Plantation shutters throughout the home, Rhino Shield coating, new pavers in the driveway, new windows on the front of the home, exterior lighting for a dramatic look at night, double crown molding throughout, new wood flooring throughout, new carpet upstairs in all 3 bedrooms, new garage floor and patio covering, new interior paint, new custom closet in the master suite, and a new garage door opener. Eagle Landing is a vibrant community with resort style amenities! Eagle Landing is not just a neighborhood, it is a lifestyle! Do not miss the opportunity to make this luxurious home your own!
Source: REALMLS #2055646
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2055646
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
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.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
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.
How can you find assumable mortgage listings?
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?
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.
MLS ID: #2055646
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