241595 County Road 121, Hilliard, FL 32046
3 beds · 2 baths · 2,078 sqft sqft
ASSUMABLE Mtg Option at 3.625% Interest!!!! OPEN 10/26/24: 10-1pm. New PRICING, reduced to sell! On almost 4 acres of ground that comes with a house and lots of room to play on big toys! Discover serene rural living in this charming all-brick ranch home nestled on 3.98 acres of high and dry property. This inviting 3-bedroom, 2-bath residence offers 2078 sf of comfort mixed with modern upgrades. Enjoy the spacious kitchen with SS Appliances (stove 2022) and a huge Breakfast Bar! The Bonus Room next to the dining room can be used for a home office or game room. LVP floors throughout with custom tile in the hall bath and laundry/storage room that comes with the washer & dryer. Primary bath features a quartz counter and lovely tiled shower with a seating area and safety bar. Relax and enjoy the wildlife on either the front or back covered porches, unwind in your hot tub, or explore the spacious grounds featuring a new 12x24 shed (2022) and 12x21 carport (2023) in addition to the attached 22x25 foot 2-car garage, as well as the original metal shed on the grounds. Lot is not fully cleared, it includes stylish new wood fencing with solar lights across the cleared road frontage with 4 unpaved driveway entries and a backyard partially fenced-in with chain link to keep little people or critters from wandering off. Enjoy peace of mind with a complete new, full tear off re-roof (2022), well (2020), new and upsized well booster pump (2023) and septic pump (2023). Conveniently situated for quiet nights of star-gazing, sitting around the fire-pit, or setting up a small barn for the animals, or workshop for hobbies or toy storage. This property blends rural tranquility with thoughtful amenities. We can't wait to see you there and share the cozy charm of this property with you!
Source: REALMLS #2046611
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2046611
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step. Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #2046611
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