347 Thistleton Way, Saint Augustine, FL 32092
3 beds · 3 baths · 2,206 sqft
VA Assumable loan 3.5%. Step into this beautifully maintained, nearly new home that's truly move-in ready. Bathed in natural light, the open and inviting layout offers 3 bedrooms, a versatile loft/flex space, and 2 ½ baths. The heart of the home is the spacious kitchen, complete with a quartz island, countertops, and stainless steel appliances, including a gas range, dishwasher, microwave, and a French-door refrigerator. A walk-in pantry ensures you have plenty of storage, making meal prep a breeze. The kitchen seamlessly flows into the expansive living and dining areas, ideal for entertaining. Slide open the glass doors to access the oversized, covered patio that overlooks a large, fully fenced backyard—perfect for outdoor gatherings. Downstairs, you'll find plank tile flooring, while plush carpet upstairs adds comfort to the private living spaces. Retreat to the oversized master suite, complete with a walk-in closet and a luxurious ensuite bath. Upstairs also offers a cozy loft, perfect for a den, home office, or gym, as well as a laundry room with a washer and dryer for added convenience. Energy-efficient features include ceiling fans throughout, a tankless water heater, insulated windows, and a custom-coated garage floor. Located in Silver Leaf Village, a natural gas community, you'll have access to top-notch amenities like pools, a playground, dog park, and tennis and pickleball courtsall with no CDD fees. Use your golf cart and enjoy everything this vibrant community has to offer including pools, dog parks, restaurants and more!
Source: REALMLS #2048150
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2048150
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: #2048150
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