190 Holly Forest Dr, Saint Augustine, FL 32092
3 beds · 3 baths · 2,317 sqft sqft
2.75% VA assumable mortgage for qualified VA buyers! Welcome home to Holly Forest in Silverleaf. A community perfect for those who want convenience combined with quality living. Come see this 3 bedroom, 2.5 bath, 2,317 square foot home featuring an o pen floor plan that invites you into a world of warmth and comfort, with natural light that floods the spacious family room, creating an inviting atmosphere for both relaxation and entertainment. The heart of the home, the kitchen, is a chef's delight with its expansive island and stainless-steel appliances, set against the backdrop of a subway tiled backsplash and granite countertops. The walk-in pantry provides ample storage, making it a breeze to keep your culinary space tidy and organized. Upstairs, the loft offers a versatile space, ideal for a home office, playroom, or an additional lounge area. Upstairs you will also find primary suite with a luxurious en-suite bathroom, a generous walk-in closet, two additional bedrooms, This home is also equipped with solar panels, PAID FOR BY THE SELLER, that improve energy efficiency and reduce utility costs. Outside, the property features a large, fenced backyard with enough room for outdoor activities and gardening. The covered lanai is perfect for barbecues and family gatherings, providing a private space to enjoy the Florida sunshine. This home is also equipped with gutters, a tankless water heater, a water softener, a Vivant alarm system, and smart features to enhance both convenience and security. NO CDD fees and low HOA fees ensures that your investment is both economical and rewarding. With the private Holly Forest amenities and the Silverleaf amenities, you are always within reach of activities and relaxation. The golf cart paths reflect the community's commitment to convenience and fun. The top-rated St. Johns County Schools makes it a coveted spot for families looking for premium education for their children. Lots of shopping and dining are nearby, ensuring that you never have to travel far to fulfill daily necessities or enjoy a night out. The easy access to highways further enhances the convenience, providing quick routes to surrounding areas and beyond. This property is more than a house; it's a lifestyle promise, set in a community designed to provide the best in comfort, accessibility, and amenities. Whether you're enjoying a quiet afternoon at home or exploring the local scenery, this home offers the perfect backdrop for creating lasting memories for you and your family. Don't let this be the one that got away!
Source: REALMLS #2051573
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2051573
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: #2051573
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 © 2024 Northeast Florida Multiple Listing Service, Inc. All Rights Reserved.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.