12036 Hidden Hills Dr, Jacksonville, FL 32225
3 beds · 2 baths · 1,624 sqft
GORGEOUS FULLY RENOVATED HOME IN GATED HIDDEN HILLS COMMUNITY! This open floor plan concept allows the family room, dining room, and kitchen to feel shared, yet defined. This kitchen boasts a quartz California bar top with stainless steel sink, shaker cabinets, GE dishwasher, range, microwave, LED can lighting, stainless-steel hood, and a custom tile back splash. The first-floor secondary bath, has shaker cabinets, Quartz counter tops, vessel sink and a modern Moen faucet. Wide plank wood look tile floors flow through the family room, kitchen, dining room, laundry and rear porch foyer. The owner's bedroom has new lighting, ceiling fan, carpet, closet shelving and a LOW E vinyl sliding glass door opening to a rear balcony overlooking a wooded rear. The owner's bath has a new shower, frameless glass enclosure, shaker vanity, Quartz counter top with undermount sink and a modern Moen faucet. The large family room has a vaulted ceiling, LED recessed lighting, open handrail with iron balusters, and a modern looking wood burning fireplace. This home allows you to spend your evenings with your loved ones cuddled up on the couch with a wood fire burning, entertaining friends and family in the large open family room or relaxing outside enjoying nature's sights and sounds on the partially covered and screened in porch enclosure. Renovated Home features include but are not limited to: decorative glass front doors, wide plank tile, custom cabinets, Quartz counter tops, new lighting fixtures throughout, new ceiling fans, new stair case hand rail and iron balusters, re-piped hot and cold supplies, new Low E vinyl windows, new HVAC air handler & condenser, new plumbing fixtures, sinks and water heater, new irrigation, new roof, new screen mesh for enclosure, re-built decks, side shed, and a 2-car garage with new door and opener. Closing to take place at Sheffield & Boatright.
Source: REALMLS #897415
Source: REALMLS #897415
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: #897415
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.