2264 Flatwood Ct, Jacksonville, FL 32223
4 beds · 2 baths · 2,210 sqft
A NEW ROOF will be installed prior to closing with an acceptable offer! NO HOA or CDD fees for this move-in ready pool home in the heart of Mandarin w/ privacy for everyone in this split floor plan. Features vaulted ceilings & pool view from the living areas. Ceramic wood-look plank tile flooring that flows throughout main area. Eat-in kitchen has custom wood cabinetry, accented by recycled glass quartz counters & stunning glass tile backsplash w/ stainless appliances. Opens on two sides to breakfast nook & family room w/ fireplace. Outside is a private oasis featuring a heated saltwater pool, spa, large paver patio, w/ firepit & brick bench within the fenced yard. Has a smart/wireless for pool & lights w/ salt system. The primary ensuite is a private retreat w/ custom walk-in closet. The updated main bath has a seamless glass shower, rain & wall mounted shower heads, soaking tub, dual vanity w/ granite counter, & porcelain tiled backsplash from counter to ceiling. See more... The Kitchen has wonderful unseen details with flip front storage at front of the sink, pull out drawers in all the lower cabinets and pull out spice rack to the right of the stove. The secondary bedrooms are off the the family room hallway providing privacy for children or guests. The cheery second bath near the secondary bedrooms has patterned wallpaper, double vanity with storage, newer tiled floor, patterned tile bath surround with niche, and pool access. A cozy laundry room features a built-in ironing board, wall mounted folding shelf, drying rack, washer & dryer. New HVAC system w/ Air Purifiers installed in 2021, New Electrical Panel installed in 2021. Irrigation meter & complete irrigation system, and newer reinforced attic access ladder in garage in 2022. Large Paver Patio, Firepit & Bench installed 2022. Survey,Transferable WDO bond, 4-Point Inspection (2023), Features Sheet, and Offer Instructions in MLS Documents.
Source: REALMLS #2053727
Why Roam
Lower rates and lower down payments
The only homebuying option for you to put 5% down and get a 5% rate.
Closing guarantee
We can close in 45 days or we’ll pay the seller’s mortgage until we close.
Offer acceptance
95% of offers accepted when made with Roam. 5% accepted without.
Have questions? Email support@withroam.com
Source: Public records
Source: REALMLS #2053727
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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