117 Cottage Green Pl, Saint Augustine, FL 32092
3 beds · 2 baths · 1,896 sqft
LOCATION, LOCATION, LOCATION!! Tucked away on a private cul-de-sac approximately 1.5 miles from I-95 in the sought-after community of World Golf Village, this stunning 3 Bedroom, 2 Bath home has many model-home style upgrades and features...including luxury vinyl plank flooring throughout the main living area (not a stitch of carpet), crown molding, scalloped wainscoting, shiplap and a coffered ceiling as architectural features in the main living area, built-in ''drop zone'' with storage bench, recessed lighting in the kitchen and living room with bright & nighttime modes, upgraded plumbing fixtures, whole house surge protector and a beautiful epoxy garage floor. Cooking will be a delight in this stylish gourmet kitchen that boasts upgraded cabinets with soft-close doors and pull-out trays, 6-burner gas cooktop with floating hood, built-in microwave & convection oven, quartz countertops, stainless steel appliances and blown-glass style pendant lights over a sizeable kitchen island. On warm sunny days...open the french doors and expand your living space to the beautiful serenity of your screened-patio. At the end of the day, all parties can retire to their rooms and enjoy a bit of privacy offered with the split bedroom plan. The primary bedroom is generously sized with a bay window bump-out and the en-suite bathroom has a large walk-in shower with tile surround, dual sinks, two wardrobe closets and an oversized linen closet. The secondary bedrooms share a hall bath that has a shower-tub combo with tile surround. As if that isn't enough, The Cottages at Glenmoor have full access to WGV King & Bear resort-style amenities including two beautiful community pools (one heated), clubhouse, fitness center, tennis courts, pickleball courts, playground and a community dog park. VA Financing? Ask about the assumable 3.375% Assumable Mortgage!
Source: REALMLS #2056970
All values shown are estimated costs / mo.
Source: Public records
Source: REALMLS #2056970
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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