9112 Country Mill Ln, Jacksonville, FL 32222
3 beds · 2 baths · 1,870 sqft sqft
Welcome to this beautifully maintained 3-bedroom, 2-bath brick veneer home, perfectly situated in a peaceful neighborhood just minutes from Oakleaf Shopping Center, Interstate 295, and the First Coast Express Way for effortless commuting. Step inside to discover stunning arched doorways and high ceilings in both the living room and eat-in kitchen, creating a bright and open atmosphere. The kitchen, designed for casual dining, flows seamlessly into the separate dining room—ideal for more formal gatherings. A dedicated office space provides a quiet retreat for work or study. The master suite is a serene haven featuring a luxurious ensuite bathroom with a garden tub. Enjoy your morning coffee in the sunlit sunroom, which connects to a fenced-in backyard perfect for children and pets to play freely. This home boasts recent upgrades, including a new roof installed in 2021 and a new AC unit (inside and out) installed in 2022, ensuring both comfort and peace of mind. The 2-car garage adds convenience with ample storage and parking space. Experience the perfect blend of modern amenities, elegant features, and a fantastic location. Don't miss your chance to make this exceptional property your own!
Source: REALMLS #2041510
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2041510
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: #2041510
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