Tucked inside the peaceful community of Belle Haven, this condo in St. Augustine just feels easy the moment you walk in. It's the kind of place where mornings start with coffee on the balcony and evenings wind down on your private screened lanai, with a quiet sense of home that's hard to put into words but easy to feel. This unit has been thoughtfully updated so you can settle in without a to-do list. The A/C is only 2 years old, the roof was replaced 4 years ago, and updated lighting and ceiling fans in every room keep everything feeling fresh and comfortable. The kitchen is bright and welcoming, with white cabinets, stainless steel appliances, Corian countertops, a tile backsplash, and under-cabinet lighting that adds just the right glow in the evenings. There's even a built-in desk and pantry, making it as functional as it is inviting. Details like cabinet pulls and marble windowsills throughout the home give it a subtle, polished feel. The living room opens to a front balcony through sliding glass doors, bringing in natural light and a bit of that Florida breeze. There are three comfortable bedrooms, all with soft carpeting that makes each space feel warm and inviting. Throughout the rest of the home, tile flooring adds a clean, low-maintenance touch while keeping everything cool and cohesive. The primary suite feels like a quiet retreat, complete with a walk-in closet, a spacious bathroom with dual sinks, and sliding doors that open directly to the screened lanai, which has additional access from the main living space. It's an easy, inviting spot to unwind, read a book, or just enjoy a little peace and quiet. The lanai becomes even more special thanks to a private staircase leading up from the parking area outside. And when you do want to head out, you're just a short drive from the sandy shores of St. Augustine Beach and the natural beauty of Anastasia Island, plus convenient shopping at places like Cobblestone Village and St. Augustine Premium Outlets. It's not just a condo, it's a place where life slows down a little, where everything you need is close by, and where coming home is the best part of your day. Additional info: Condo association fee includes cable, water, trash, and internet/wifi will be included later this year. | All drapes & rods, TV & mount in primary bedroom stay.
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
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