Exceptional value in Wildlight-best price per sq ft at $629,000 plus a 3% seller credit! Why wait to build when you can own this semi-custom 5BR/4BA Mattamy Home situated on a premium preserve lot with a flexible layout, including a main-level guest suite with full bath. The chef-inspired kitchen features quartz countertops, 42'' cabinets, stainless appliances, Bosch dishwasher, smart range with griddle, and a large island overlooking the open dining and living areas. Design upgrades include LVP flooring, crown molding, French doors to a dining room or study, upgraded lighting and fans, recessed LEDs, and an extended lanai for outdoor enjoyment. Upstairs, the spacious primary suite offers dual walk-in closets and a spa-style shower. Additional enhancements include Ecobee thermostats, a tankless water heater, and an oversized 2-car garage with epoxy flooring. Enjoy parks, trails, and amenities with quick access to I-95, JAX, and Kings Bay. A standout opportunity! This home features and abundance of additional premium enhancements designed for comfort, convenience, and lifestyle. The kitchen includes soft-close cabinetry, an easy-clean finish, a motion-activated farmhouse sink, a Wi-Fi-enabled oven, natural-gas connection with upgraded exterior venting, a walk-in pantry with upgraded door, and added LED lighting. Additional home-wide improvements include faux-wood blinds on all windows, upgraded outlets and wiring for additional ceiling fans and mounted TVs, and ample storage throughout. Guest comfort continues upstairs with walk-in closets in secondary bedrooms, upgraded carpeting, and quartz or stone counters with under-mount sinks in all baths. Smart-living upgrades include a negotiable Vivint" security system with cameras, door and window sensors, flood and glass-break detection, and integrated smoke/CO‚ monitors. Outdoor enhancements include a full irrigation system with a separate water meter, a natural-gas grill stub-out on the lanai, a garage service door for easy yard access, an insulated 8' garage door with keypad entry, water-softener loop, epoxy "shark-coated" garage floor, and a spacious backyard primed for future outdoor living additions. Beyond the home, the surrounding Wildlight community is poised for significant commercial growth. A new CVS/pharmacy, several restaurants, and additional businesses planned alongside the existing Publix and medical campuses bringing elevated convenience and lifestyle options to this exceptional address.
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.
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.
