3342 New Beginnings Ln, Middleburg, FL 32068
4 beds · 3 baths · 2,980 sqft
Welcome to your SPACIOUS 4-bedroom, 3 bath home, with flex room and much more! Located on a corner lot in desirable Kindle Wood with No CDD fees. This 2-story stucco home offers an open kitchen with breakfast bar featuring SS appliances, 42'' cabinets and walk-in pantry. The large family room is perfect for family and friend time enjoying a movie night listening to the built-in surround sound ceiling speakers. The first floor Owner's suite provides a walk-in closet with custom organizer, double vanity, garden tub, and separate tiled shower. Upstairs the 3 bedrooms surround the loft and two built-in desks with cabinetry. Perfect for homework or as a workstation. Large indoor laundry with plenty of extra storage room. Enjoy the fully screened lanai or evening around the backyard fire pit. Stay cool in the garage with the screened garage door. Perfectly situated near the First Coast Expressway, shopping and dining in Middleburg and Orange Park. Community pool located across the street.
Source: REALMLS #2056733
Financials
Source: REALMLS #2056733
Source: Public records
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%. 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.
Other resourcesWhat 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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