562 Kendall Crossing Dr, Saint Johns, FL 32259
3 beds · 3 baths · 2,316 sqft
Welcome to this beautiful 2-story home featuring 3 spacious bedrooms, a loft, 2.5 bathrooms & a flex room. The first floor is an open-concept layout with tile flooring throughout, seamlessly connecting the dining room, kitchen, and family room—perfect for entertaining. The kitchen offers granite countertops, stainless steel appliances, & a wainscoting backsplash. Enjoy the cozy family room with a shiplap accent wall & fireplace, & the dining room with a wainscoting feature wall. A flex room with French doors, wainscot detailing, & a 1/2 bath adds extra functionality. Upstairs, you'll find 3 bedrooms, am open loft, 2 baths, & the laundry room. The guest bathroom includes double sinks & a tiled bathtub. The spacious primary suite features a tray ceiling, a bath with double vanities, a soaking tub, a frameless walk-in shower, & a large walk-in closet. Enjoy outdoor living on the covered front porch or the covered back patio overlooking the large fenced yard. Located next to a peaceful open grassy areaideal for kids, pets, or relaxing. This home is close to the river and zoned for A-rated schools. Enjoy world-class community amenities including resort-style pools, a fitness center, dog park, riverfront hiking trails, sports courts, a lazy river, amphitheater, boardwalk, and kayak launch.
Source: REALMLS #2078287
Financials
Source: REALMLS #2078287
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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