812 Windley Dr, Saint Augustine, FL 32092
3 beds · 2 baths · 2,631 sqft
Welcome to this stunning David Weekley home, perfectly designed and curated for the modern homeowner. This spacious 3-bedroom, 2-bathroom home offers an abundance of room and luxury, with features and finishes that are sure to impress. Upon entering, you'll immediately be drawn to the large, light-filled living room, providing an inviting atmosphere for family gatherings or quiet relaxation. With a thoughtfully designed layout, the home includes both a formal dining room and a bonus living room, allowing for endless possibilities for entertaining or personal space. The bedrooms are generously sized, with each one offering ample closet space and an overall feeling of openness. The chef's kitchen is an absolute standout! Upgraded with a spacious pantry, sleek glass doors, it's a true dream for cooking and entertaining. Whether you're preparing a simple meal or hosting friends and family, this kitchen has been perfectly curated to provide both function and style. The color palette throughout the home exudes a soothing, contemporary vibe, creating a calming ambiance in every room. The large backyard provides plenty of space for outdoor activities or simply enjoying the fresh air, while the 2-car garage offers not only ample parking but also extra storage with an extended space for all your belongings. Additional features include a built-in water softener, ensuring comfort and ease of living. Every inch of this home has been designed with care and attention to detail, making it the perfect space for anyone looking to upgrade their lifestyle. Whether you need office space for working from home or a formal setting to entertain, this home truly has it all. Don't miss the chance to make this meticulously maintained David Weekley home your own!
Source: REALMLS #2078669
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Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
Source: REALMLS #2078669
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
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 “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.
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 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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