6842 Sandle Dr, Jacksonville, FL 32219
4 beds · 2 baths · 1,856 sqft
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VA ASSUMABLE LOAN OPTION 4.25% Situated in the inviting Villages of Westport community, this home offers a thoughtfully designed floor plan with LVP flooring throughout the main living areas. At the heart of the home, the living area flows seamlessly into the dining space, where sliding glass doors open to a spacious fully fenced backyard—perfect for relaxation or entertaining. The well-appointed kitchen features a large center island, stainless steel appliances, and a generous pantry. Unwind in the luxurious primary suite, complete with a private bath featuring dual sinks, separate water closest, and custom his-and-hers closets. Three additional bedrooms share a well-designed bath, creating an ideal split floor plan for families and guests. Thoughtful updates, including a shiplap-accented foyer, stylish accent walls, and a garage door screen, enhance both charm and functionality. The Villages of Westport is an active community located near Jacksonville International Airport, River City Shopping District, and various medical facilities with a short commute to downtown, the beaches, and greater Jacksonville. Experience exceptional resident amenities featuring a pool, fitness center, grilling area, covered pavilion, playground, dog park, basketball court and much more!
Source: REALMLS #2069250
All values shown are estimated costs / mo.
Source: Public records
Source: REALMLS #2069250
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.
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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