280 Sweetbrier Branch Ln, Saint Johns, FL 32259
3 beds · 3 baths · 2,386 sqft
Updated 3/2.5 pool home in Julington Creek Plantation. Inviting views of the resurfaced pool greet you through the large, bright living room and continue into the recently updated eat-in kitchen featuring granite countertops and stainless-steel appliances. First floor boasts 10' ceilings, two spacious secondary bedrooms with Jack-and-Jill bath, formal dining room, laundry, and half bath. Spectacular, private owner's retreat is on the second story with a serene 3-season porch overlooking the preserve and pool. A large, sunny bath and two spacious walk-in closets complete the space. Out back, an ultra-low maintenance oasis with a 3-season lanai and pool/spa awaits you. Home is turnkey, including new roof (2022), exterior paint, gutters, pool resurfacing (2023), kitchen appliances and water heater (Fall 2024), new home warranty. Families will love the proximity to highly-rated St. Johns Co. schools and JCP amenities included in HOA Washer, dryer, garage fridge, along with Ring alarm, motion sensors and cameras convey with the home (Buyer will be responsible for setting up system and purchase of monitoring/storage plans). Outdoor seating (love seat and two chairs) with blue cushions convey with the home. 3-season porch and lanai windows are bronze vinyl, stored in garage.
Source: REALMLS #2058560
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2058560
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.
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: #2058560
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