5455 Spring Brook Rd, Jacksonville, FL 32277
3 beds · 2 baths · 1,498 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to this charming 3-bedroom, 2-bathroom home nestled in a peaceful and quiet neighborhood near the river, offering the perfect balance of tranquility and convenience with a central location. Enjoy the amenities Marsh Creek offers including a community pool and tennis courts by the river, all for only $55 per month. With 1,498 square feet of living space, this well-maintained property features a spacious living room with a cozy fireplace and an open kitchen window. The home includes a separate office space, ideal for remote work or study, and a master bedroom with a walk-in closet for all your storage needs. Off the master, enjoy the luxury of a private shaded patio, perfect for relaxing and enjoying quiet moments. The main living area flows seamlessly, offering great functionality and style. Don't miss out on this fantastic opportunity!
Source: REALMLS #2080627
Source: REALMLS #2080627
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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