930 Red Fox Way, Macclenny, FL 32063
3 beds · 2 baths · 1,352 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to this beautiful 3-bedroom, 2-bathroom home in the desirable Fox Ridge community with a BRAND NEW ROOF (March 2025). Home has an assumable VA Loan at 3.25 interest rate or qualifies for 100% financing (NO DOWN PAYMENT) and if you use preferred lender there is a rate buy down credit!!! Conveniently located just minutes from hospitals, dining and shopping, this move-in-ready home offers the perfect combination of comfort and convenience. Step inside to an inviting living room with vaulted ceilings, creating a bright and open atmosphere. The kitchen features stainless steel appliances and abundant natural light, while luxury vinyl flooring flows throughout the entire home for a modern and stylish touch. The thoughtful split floor plan ensures privacy, making it ideal for everyone. Love spending time outdoors? You'll appreciate the expansive, fully fenced backyardperfect for entertaining, pets, or simply unwinding in private. Enjoy peace of mind with a BRAND-NEW ROOF! Installed by Skinner Roofing, it includes the SILVER Pledge Warranty and GAF Timberline HDZ premium architectural shingles. This high-quality roofing system comes with a 50-year non-prorated warranty on the entire roof system, a 15-year unlimited wind warranty, and a 10-year labor warranty fully backed by GAF. Unlike other manufacturers, GAF does not impose an "Act of GOD" exclusion, and a 25-year Stain Guard Plus warranty is also included. Additional updates include a fridge, washer, and dryer each less than a year old, as well as newly installed front-side fences and gates. Don't miss your chance to own this charming home with incredible warranties and a fantastic location. Schedule your private showing today!
Source: REALMLS #2069072
All values shown are estimated costs / mo.
Source: Public records
Source: REALMLS #2069072
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.
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.
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.
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.
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.
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.
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.
Data provided is deemed reliable but is not guaranteed. The data relating to real estate for sale on this website comes in part from the Northeast Florida Multiple Listing Service, Inc. The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. Copyright © 2025 Northeast Florida Multiple Listing Service, Inc. All Rights Reserved.
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