310 Pullman Cir, Saint Augustine, FL 32084
4 beds · 4 baths · 2,798 sqft
Coming Soon! This gorgeous home in San Salito is the Next Gen Vilano floorplan! So many upgrades, move-in ready and in excellent condition! More details will be updated soon. large screened lanai, perfect for relaxation and entertaining. The office or flex room is enclosed by French doors, creating a private space for work or hobbies, while the second and third bedrooms share a Jack-and-Jill bath illuminated by a skylight. Barn doors in the hallway provide access to the laundry room, half bath, garage entry, and mudroom, while also offering added privacy for the Next Gen suite. The primary bedroom is generously sized at 17x14 with a walk-in closet, and the primary bath includes both a walk-in shower and a garden tub for a spa-like experience. Outside, the large, screened lanai opens to an extended pavered patio and fully fenced backyard, overlooking a serene preserve. With the fence set 3 feet inside the property line, there's potential for future expansion. The 3-car garage offers ample space for storage and projects. Situated in desirable St. Augustine, close to top-rated schools, shopping, and historic attractions, this home is a true gem for Florida living at its finest. Don't miss the chance to make this exceptional property your sanctuary!
Source: REALMLS #2055610
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2055610
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: #2055610
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