4468 Song Sparrow Dr, Middleburg, FL 32068
5 beds · 3 baths · 2,780 sqft sqft
SELLER WILL REVIEW All REASONABLE OFFERS, BRING YOUR's TODAY! Discover your dream home where modern luxury meets effortless living & entertaining on a .25 ac lot. Complete w/Gourmet Kitchen, Solar Savings & ample room for a custom pool.This STUNNING Home boasts an inviting Open Floor Plan designed for comfort and thoughtfully curated upgrades throughout. Ask about the Custom Pool Design. Home also features an EV Charger & additional outlets in the 3 car garage. Gourmet Kitchen is a Chef's Dream with SS Appliances, Stone Backsplash & Cambria Quartz Counters. This Kitchen is sure to unleash your culinary creativity. Kitchen opens into the living room meeting the outdoors, making it the perfect prime area for gatherings. ECO-conscious buyers, you'll Love the Solar Panels as a source of ongoing energy savings. Extended Owner's Suite w / a Bay Window, Trey Ceiling, along with updated stylish lighting. Enjoy viewing the pond as it is a tranquil source of energy. (Pls See More Sec) The Expansive 3 Car Garage offers ample space for a workshop or storage. Enjoy the EXTENDED LANAI, ideal for summer barbecues & outdoor entertaining. Home includes an Extended Home Warranty for Extra Peace Of Mind. Located close to NASJAX-Hospitals & 'A' Rated School System. Shopping nearby and convenient to ALL Major Routes. Amenities for everyone to enjoy such as: Fully furnished Clubhouse, Adult Pool & Kids Splash Park, Fully Equipped Fitness Center w/TV's-Weightlifting zone, Basketball-Beach Volleyball-Tennis & Playgrounds for the kids. DON'T MISS THIS GEM! Bring your OFFER TODAY! Make this Dream Home yours and make New Memories that last a lifetime. See complete list of FEATURES & UPGRADES under Documents
Source: REALMLS #2046217
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2046217
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: #2046217
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