8115 Sarcee Trl, Jacksonville, FL 32244
3 beds · 3 baths · 1,878 sqft
**Welcome to Your Serene Jacksonville Retreat!** Experience tranquility in this beautifully updated home, situated on a premium oversized lot. From the moment you arrive, the peaceful ambiance surrounds you, highlighted by a long driveway that accommodates up to 10 cars—perfect for hosting gatherings or projects. The expansive, fully fenced backyard features a convenient double gate for easy access, and a shed is included for your storage needs. Recent updates include a brand-new roof (2024), a new A/C system (2021), and both a tankless water heater and water softener system for added convenience. As you enter, you'll immediately feel at home. The living room boasts high ceilings and a cozy wood-burning fireplace, creating an inviting space for family gatherings. The dining area is just a step away from the kitchen, making it easy to entertain. On the first floor, you'll find a secondary master suite with a walk-in closet and private bathroom, along with an additional bedroom and a shared bathroom. A brand-new sliding door opens directly to the expansive backyard, enhancing your outdoor living experience. Upstairs, the family room offers a fantastic space for games and movie nights. To your right, the owner's suite provides a built-in closet, en-suite bathroom, and additional storage, ensuring privacy and comfort. The massive wood deck wraps around the house, accessible from both the backyard and interior, making it an ideal spot for relaxation and entertaining. Towering oak trees add character to the property, giving it a warm, inviting feel. Located in a friendly neighborhood perfect for walks and bike rides, this home comes with the bonus of NO HOA, allowing you to bring your trailer, RV, boat, or any recreational toys. Don't miss this opportunity to call this beautiful house your home!
Source: REALMLS #2049389
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2049389
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: #2049389
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