3168 Byron Rd, Green Cove Springs, FL 32043
3 beds · 2 baths · 2,181 sqft
Waterfront, Location, Location, Location!! Beautiful all Brick Waterfront Home on the Prestigious deep water navigable Black Creek! The home sits on a high, multi-level bulkheaded site and has never flooded. This magnificent home has a new roof, newly remodeled kitchen(2024) & updated bathrooms(2024), screen enclosed inground swimming pool, 6000lb boatlift covered with a newly rebuilt 20' x 24' sundeck with spectacular views. If those views aren't enough to wow you, check out the panoramic views from the 320sf family room! Step out from your spacious owners' suite onto the covered porch poolside for screen enclosed relaxation. New AC heat pump in 2022. Pool equipment replaced in 2022 including saltwater system. Irrigation system redone in past 2 years. Gas fireplace. Whole house 24kw Generac Generator w/500 gal. propane tank. This home has been meticulously maintained and move-in ready! Bring your boat, PWC's and bathing suit as everyday will be a vacation in your new home.
Source: REALMLS #2046007
All values shown are estimated costs / mo.
Source: Public records
Source: REALMLS #2046007
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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