Welcome to 267 Wild Rose Drive, where elegant one-level living meets exceptional craftsmanship and comfort. *One or more photos has been virtually staged* This beautifully appointed residence showcases four bedrooms, three bathrooms, office plus casual and formal dining. Highly upgraded millwork, custom California Closets systems, and plantation shutters have been added throughout, creating a timeless and sophisticated feel from the moment you enter. At the heart of the home is the highly upgraded gourmet kitchen, complete with quartz countertops, stainless steel appliances, walk-in pantry with built-in storage, and under cabinet lighting. The large island graciously opens to the casual dining area and great room with 12 foot ceilings, 12 foot stackable slider, and a lovely built-in with linear fireplace, storage, and custom tile work. The thoughtfully-designed, split bedroom plan provides the privacy and comfort your family and guests deserve. Two large secondary bedrooms have been updated with laminate flooring and share a hall bath with dual sinks and granite countertops. The fourth bedroom features its own private bathroom with walk-in shower. The Primary Suite provides ample space to unwind, with dual vanities, soaking tub, separate shower and walk-in closet with built-ins. Step outside to the covered screened lanai which open a large backyard with paver extension and firepit. Dreaming of a pool for your backyard oasis? Not a problem with this lot - plenty of space for a pool with plenty of yard left over! Other highlights of this home include a 3 car garage with high-end flake epoxy flooring and storage racks, laundry room with built-in storage and washer/dryer to remain, and whole home Generac generator for the ultimate peace of mind! The Reserve at Greenbriar features sidewalks, streetlights, a community clubhouse, playground and pool - all with NO CDD and low annual HOA fee. Conveniently located near award-winning St. Johns County schools, grocery, shopping, medical and river recreation areas. Combining quality, style, and functionality, this exceptional home offers the perfect blend of luxury living and everyday comfort.
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 © 2026 Northeast Florida Multiple Listing Service, Inc. All Rights Reserved.
