86298 Sand Hickory Trl, Yulee, FL 32097
4 beds · 3 baths · 2,419 sqft sqft
Stunning Pool Home in Prime Yulee Location - No CDD! Welcome to your dream home in the highly sought-after Hickory Village! This charming two-story residence offers a unique and versatile floorplan, perfectly situated just a quick drive from shops, restaurants, schools, and parks. As you enter, you'll be greeted by elegant formal living and dining rooms that exude sophistication. The heart of the home is the open kitchen, which overlooks a spacious family room with soaring high ceilings, creating an inviting and airy atmosphere. The luxurious downstairs master suite is a true retreat, featuring a generous walk-in closet and a massive ensuite bathroom with double sink vanities, a walk-in shower, and a separate tub - perfect for unwinding after a long day. Upstairs, you'll find a versatile open loft area, three additional guest rooms, and a full bathroom, offering plenty of space for family and guests. Step outside to discover your private backyard oasis - a beautifully fenced space complete with a stunning pool and spa, a covered lanai, and ample room for entertaining. Located within walking distance to the middle and high schools and boasting an affordable HOA, this home is in the ideal location for convenience and community. Don't miss your chance to see this gem - pool homes are the place to be!
Source: REALMLS #2041339
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2041339
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: #2041339
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