385 Broomsedge Cir, Saint Augustine, FL 32095
4 beds · 3 baths · 2,027 sqft
This beautifully updated home in the desirable Twin Creeks neighborhood offers a blend of comfort and style. Featuring a 4-bedroom, 3-bath home with an open-concept split floor plan, 9-foot ceilings and 8-foot doors. The private master suite is located at the rear of the home for added tranquility. Chefs Kitchen features Quartz Countertops, 42'' cabinets, solid brass fixtures, a large kitchen island with a shiplap accent, and stylish cabinetry hardware. You'll save money and time with all of the upgrades on this one: New lighting, Bath Fixtures, Privacy fence, Finished Garage with Shark Coated Flooring, Transferable Termite Bond, Fresh paint, Water Softener, Expanded paver driveway, beautiful new LVP flooring in every bedroom. Step out onto your screened lanai through slider doors into your backyard. Seller Offering a One year Home warranty for Peace of Mind and If buyer chooses First Coast Mortgage NMLS #1953441, a $3,000 towards closing costs, minimum loan amount of $450,000. Firs Coast Mortgage Funding, Christopher Austin NMLS #648815. This is not a commitment to lend. Equal Housing Opportunity. Additional features of the Broomsedge Circle Retreat - Widened Paved Driveway - Water softener - Shark Coat Garage floor - New exterior garage lights - Finished Garage with shelving and cabinetry - Entire home freshly repainted interior - Cabinetry and shelving added to laundry room - Drop and Go Feature wall - Two Updated bathrooms with new hardware, fixtures - All new Luxury Vinyl Plank flooring in all bedrooms - Solid brass kitchen faucet and cabinetry hardware - Shiplap Feature on kitchen island - Shiplap Feature wall in guest rooms - Ceiling fans/Lights in all bedrooms + Family room - Extended back paver patio with fire pit - Brand new 8'x12' TuffShed - Citrus and Peach Trees in backyard - Privacy Fence with dual side entry options - Full Gutter system installed - Drop down attic ladder + extended attic storage space Standard home features include: - RING doorbell system - Whole house WIFI extender - Plantation blinds on all windows - Pre-wired for HabiTech security system Neighborhood Features: - Pool with gym - 3 community playgrounds - Lake with dock, kayaks, fishing coming soon!!! - St. Johns County Park slated to break ground right next to the brand new K-12 - Brand new K-12 opened inside neighborhood August 2024 - Brand new Beachside Highschool right across the street - Easy access to I-95, 9B and 295 - 20 minutes to Micklers beach - Less than 15 minutes to Costco - Perfect location to get to both Old St. Augustine and downtown Jacksonville in a quick drive.
Source: REALMLS #2076414
Why Roam
Lower rates and lower down payments
The only homebuying option for you to put 5% down and get a 5% rate.
Closing guarantee
We can close in 45 days or we’ll pay the seller’s mortgage until we close.
Offer acceptance
95% of offers accepted when made with Roam. 5% accepted without.
Have questions? Email support@withroam.com
Source: Public records
Source: REALMLS #2076414
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.
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.
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Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.