2179 NE 46th Cir, High Springs, FL 32643
3 beds · 4 baths · 2,702 sqft
Your dream home awaits! This estate has every feature you could ever want in your dream property! Enter through custom stone gate and cross board pasture fencing into five beautiful rolling acres dotted with mature oaks. The home is located atop a hill at the end of a circle drive with a spacious, inviting front porch complete with rocking chairs. The open floor plan is perfect for entertaining, with separate dining room, breakfast nook plus room to eat at the kitchen island. Cook gourmet meals with the gas range, built-in oven and large pantry. Just off the kitchen is a half bath for guests plus game room with custom bar! Bonus room includes brand new french doors that open onto a paved patio, a perfect place to enjoy this slice of paradise. Flex space can also serve as a mother in law suite with half bath, closet and private entrance. For rest and relaxation, escape to the large master suite with en suite bath, complete with walk in closet and jacuzzi tub. The home has a tankless water heater, gas appliances, exterior gas available for a grill, plus hot and cold water on the substantial back porch. The backyard is absolutely unreal. Fish in your stocked fish pond with separate well, TWO additional 50 amp RV power connections, plus a 6 stall workshop with 200 amp service. There is ample space to maneuver your boat or RV, and two extra tall bays to park and protect your toys from the elements. Keep your pets and livestock on site with dog kennel, chicken coop, and fully fenced pasture with smaller adjacent pen with catch chute. All of this with Gilchrist County taxes, just minutes away from the amenities of High Springs, Blue Springs and Ginnie Springs. Close to Lake City and Gainesville.
Source: STELLAR #gc520571
Source: STELLAR #gc520571
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: #gc520571
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.