1832 Creekview Dr, Green Cove Springs, FL 32043
4 beds · 2 baths · 1,898 sqft
Welcome to this beautifully maintained full-brick 4-bed, 2-bath, 2-car garage split floorplan home with a widen driveway in the desirable Green Cove Springs Silver Creek community! Offering approximately 1,900 sq. ft. of comfortable living space with 24'' Italian porcelain tile throughout most of the home, including the primary. This home features a spacious kitchen with new appliances, 42'' cabinets and a coffee bar. The dining room is perfect for family dinners, entertainment game night with family and friends. The primary bathroom offers a retreat, featuring stylish finishes and upgrades, don't miss the tucked away dream vanity area. Step outside to the screened lanai for some alone time to relax or head outside to enjoy your above-ground saltwater pool, complete with composite decking, ideal for summer relaxation and entertaining. The new vinyl fence adds privacy and there is no home directly behind. There is a concrete pad with a storage shed providing additional storage.
Source: REALMLS #2075329
Financials
Source: Public records
Source: REALMLS #2075329
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.
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.
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