281 Ness Cir, Saint Augustine, FL 32095
4 beds · 3 baths · 2,926 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to your dream 4-bed, 3-bath pool home in prestigious Saint John's County. Located in Beacon Lake, this stunning property feels and shows like new but comes with all the extras, including: • Sparkling heated and chilled pool with extended sun shelf for ultimate relaxation. • High-impact sliders at the lanai for style and hurricane protection. • Seller-paid solar system valued at $65K, with a transferable 25-year warranty, offering significant energy efficiency. • Brand new carpet combined with elegant luxury plank flooring throughout. • Whole House Water Softener with Reverse Osmosis filtration in the kitchen. • Beautiful fruit trees and a live bamboo fence line for added privacy and charm. • Custom Murphy and Barn doors to define bedroom areas. • Gourmet kitchen perfect for entertaining and main floor charming Primary Suite with peaceful pool view. • 4th Bedroom upstairs with Ensuite (Tub/Shower) and Walk-in closet can be 2nd Primary Suite. Unique selling points: * Top-rated Saint John's County schools: Highly-rated schools with new K-8 academy within walking distance to the home. * Prime location: Easy access to community offerings, for convenience and lifestyle. * Beacon Lake amenities: A serene 43-acre lake, fitness center, culinary studio, zero-entry pool, splash park, water slides, pickleball and tennis courts, sand beach, fire pit, and scenic walking trails. Experience luxury, privacy, and modern sophistication. Act now, schedule your private tour for this exceptional home today!
Source: REALMLS #2064794
All values shown are estimated costs / mo.
Source: Public records
Source: REALMLS #2064794
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.
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.
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.
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.
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 “Save search” 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.
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 620, 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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