6380 Little Lake Geneva Rd, Keystone Heights, FL 32656
3 beds · 2 baths · 1,848 sqft sqft
SELLER IS WELCOMING TO BUYER'S AGENTS! Nestled on a serene corner lot adorned with majestic oak trees, this expansive 3-bedroom, 2-bathroom doublewide boasts 1,848 square feet of comfortable living space. Located in the charming town of Keystone Heights, known for its tranquil lakes and small-town charm, this home offers a peaceful retreat with convenient access to Jacksonville and Gainesville. Step through the front door into an inviting open living area, highlighted by a cozy wood-burning fireplace that sets the tone for warm gatherings. The kitchen is a chef's dream with abundant cabinet space, stainless steel appliances, and beautiful LVP flooring that adds both elegance and durability. Premium blinds throughout the home provide privacy and style. Enjoy stunning sunsets over Little Lake Geneva from your morning room, perfect for winding down after a long day. The large laundry room provides ample storage and additional space, ensuring practicality meets comfort. The open layout features split bedrooms, offering privacy and space for all occupants. The spacious master suite includes a double closets and an ensuite bathroom featuring a shower, double vanities, and luxurious freestanding tub, creating a serene oasis within your own home. All bedrooms are carpeted and include walk-in closets, providing plenty of storage and comfort. Step outside to a rear deck overlooking a shaded backyard, ideal for outdoor dining, entertaining, or simply relaxing in the peaceful surroundings of Keystone Heights. This home is ideally situated in a quiet and quaint area of Keystone Heights, offering a true small-town feel with access to numerous lakes and recreational opportunities. Don't miss out on this opportunity to own a piece of tranquility with easy commuting access to both Jacksonville and Gainesville. Schedule your showing today!
Source: STELLAR #om681309
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #om681309
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: #om681309
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.