713 SW Longhorn Ter, Fort White, FL 32038
3 beds · 2 baths · 2,040 sqft
Discover the perfect blend of space, privacy, and convenience in this beautifully maintained 3-bedroom, 2-full bathroom quality mobile home, built in 2006. With over 2,000 square feet of living space on a sprawling 1.52-acre lot, this property offers a peaceful retreat less than a mile from the Santa Fe River Boat ramp, making it ideal for nature lovers and outdoor enthusiasts. Step inside to find over 2,000 square feet of thoughtfully designed living space, featuring updated ceiling fans and energy-efficient LED lighting throughout, ensuring comfort and efficiency. The spacious island kitchen is a chef’s delight, complete with updated appliances and ample storage space, making meal preparation a breeze. Whether cooking for a family or entertaining guests, this kitchen is equipped to handle it all. A 900-square-foot detached metal garage/workshop with power sits on an 18" concrete slab so that a lift could be installed if wanted, and providing plenty of space for projects, storage, or hobbies. This versatile space is perfect for the DIY enthusiast or anyone in need of additional storage. Enjoy the outdoors with a fire pit for cozy evenings under the stars and an RV hookup for visiting guests or your own vacation transportation. The property is fully fenced with a privacy fence along the front and features an electric privacy gate for added security and peace of mind. Set on 1.52 acres surrounded by nature, this property offers abundant wildlife and a serene environment, making it a true haven for those seeking tranquility. Despite its private setting, the Santa Fe River Boat ramp is just a short drive away, providing easy access to one of Florida’s most beautiful waterways. The home’s roof is just 7 years old, ensuring durability and peace of mind for years to come. This property is a rare find, offering a spacious and modern living space on a large, private lot with all the amenities you need for comfortable living. Whether you’re looking for a permanent residence or a vacation retreat, this home has it all. Schedule a showing today and experience the best of Florida living in this peaceful, nature-filled setting.
Source: STELLAR #gc524489
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #gc524489
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: #gc524489
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.