1912 White Dogwood Ln, Fleming Island, FL 32003
3 beds · 3 baths · 2,348 sqft
Welcome to 1912 White Dogwood Ln, a charming residence nestled in the highly sought-after Fleming Island Plantation community of Fleming Island, FL. This delightful home offers the perfect blend of comfort, style, and convenience, making it an ideal choice for families and individuals alike. Upon entering, you'll be greeted by a bright and airy open floor plan, featuring elegant finishes and abundant natural light. The spacious living areas are designed for both relaxation and entertaining, with a well-appointed kitchen that includes modern appliances, ample cabinetry, and a generous island perfect for gathering with loved ones. 3 bedroom + large office, could be converted to bedroom. Master suite is a true retreat, offering a serene escape with its luxurious en-suite bathroom and walk-in closet. Additional bedrooms provide plenty of space for family or guests, each thoughtfully designed to ensure comfort and privacy. Come check out this move in ready home for yourself A Rated school district and walking distance to Elementary and High Schools. Located in Fleming Island Plantation which includes 2 community pools, spray Park for the kids, Tennis Courts, Basketball courts, Amenities Center and play grounds. Eligible for Down Payment assistance program for first time buyers or buyers who haven't owned a home in the past 3 years. New High End A/C and Furnace unit installed in 2024 with transferrable warranty, as well as a new water heater and new dishwasher.
Source: REALMLS #2044619
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2044619
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 30-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: #2044619
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