280 Clearview Dr, Saint Augustine, FL 32092
4 beds · 3 baths · 3,054 sqft
Experience the best of Florida living in the highly sought-after SilverLeaf community, within the top-rated St. Johns County School District! This beautifully designed home offers exceptional upgrades, including a sparkling saltwater pool, expansive brick paver decking, and a sprawling screened enclosure—the perfect foundation for your dream backyard oasis. Like a blank canvas ready for its final strokes, this space awaits your personal touch, offering endless possibilities to create your ideal outdoor retreat. As you step inside, you'll be greeted by a thoughtfully crafted layout, where the chef's kitchen takes center stage with plenty of cabinetry, sleek countertops, and modern appliances, making meal prep a true delight. The open floor plan effortlessly connects the kitchen, dining, and living areas, creating an inviting space perfect for both casual living and entertaining. A dedicated office/flex room adds versatility, ideal for working from home, creating a cozy reading nook, or setting up a playroom. SilverLeaf is rapidly evolving, with exciting new additions, such as a brand-new Publix, a Baptist Health facility, and expanded roadways, further enhancing the convenience of the area. The community's resort-style amenities include multiple pools, a splash park, pickleball and tennis courts, a dog park, and nearby shopping, offering a lifestyle that is hard to beat. And for golf enthusiasts, prestigious country clubs are just around the corner, providing the perfect spot for a round of golf or to unwind in an upscale setting. Convenience is key, with multiple Publix locations, a Bucc-ee's, Costco, and a variety of restaurants just minutes away. Whether you're stocking up on essentials, grabbing a quick bite, or enjoying a round of golf, everything you need is right at your doorstep, making daily life effortless and enjoyable. This home is not only a great place to live but a smart investment in one of Northeast Florida's most desirable and growing communities. For eligible buyers, a VA Home Loan Assumption is available at a competitive 5.125% interest ratemaking this an opportunity that should not be missed. Don't waitcontact your REALTOR® today to schedule a private showing!
Source: REALMLS #2070142
Financials
Source: Public records
Source: REALMLS #2070142
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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