135 Sawmill Landing Dr, Saint Augustine, FL 32086
3 beds · 2 baths · 1,299 sqft
Welcome Home to 135 Sawmill Landing! This adorable 3 bed/2 bath single story home close to restaurants, shopping, and the sandy shores of St. Augustine Beach is a perfect sanctuary for someone looking for a move-in ready, energy-efficient home close to 95 and the BEACH! Built in 2020, this lightly lived-in home provides an excellent blend of warmth, comfort and convenience. When you enter the home, you are greeted by an inviting open layout that boasts 9-foot ceilings and stylish wood-look tile flooring in the main living areas. Designed for convenience, the light and bright kitchen features an expansive island with tabletop seating, beautiful granite countertops, stainless appliances, and a wealth of storage. The primary suite offers a welcoming aura with vaulted ceilings, upgraded lighting, and warm, neutral colors - a peaceful retreat to unwind and recharge! The brand new vinyl fenced yard and covered patio are private and wooded - a perfect spot for gardening and grilling! The home has a transferable termite bond and full irrigation system. Roof, HVAC, Water Heater all just under 4 yrs. old! The stacked stone, glass front door, shake siding and upgraded exterior lighting add extra character and charm! Sawmill Landing is a friendly and walkable community with a low HOA, NO CDD, close to Publix, parks and restaurants. The community has a wonderful playground for the kiddos and sidewalks for walking furry family members. Don't miss out on this charming home!
Source: REALMLS #2043650
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2043650
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: #2043650
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