Welcome to a home that was built with care, lived in with pride, and designed for the moments that matter. Sitting on an elevated lot overlooking the 16th green at Hidden Hills Country Club, this custom home offers peaceful morning views, glowing sunsets, and a sense of privacy you don't often find. Step inside and you're greeted by an open, inviting layout that feels both spacious and comfortable. The main floor has two bedrooms, including a convenient guest suite option, while upstairs features three more rooms plus a huge bonus room that has been used as a second family hangout. The primary bedroom now includes newly installed custom closets, and the laundry room has also been upgraded with custom storage. Whether you need extra bedrooms, hobby spaces, or a home office (or two), there's room for all of it here. The kitchen is the heart of the home, with granite counters, custom cabinetry, upgraded appliances, and a double oven ready for holiday meals and everyday favorites. You'll also enjoy the benefit of a whole-home water softener with purified water in the kitchen. The kitchen flows into a large family room with a cozy fireplace, perfect for curling up on cool Jacksonville evenings. You'll also find a formal dining room, wood flooring in the main living areas, central vacuum, inside laundry, and four full bathrooms, plenty of space and comfort for everyone. The home has been thoughtfully improved with a *brand-new roof* (12/2025), all-new windows that come with a 20-year transferable warranty, along with double AC units that are only four years old, offering both efficiency and peace of mind. One of the most loved features of this home is the outdoor living. A covered front porch welcomes neighbors and friends, while the rear deck is set up for relaxed gatherings overlooking the green. The mature landscaping and quiet cul-de-sac street give the property a peaceful, tucked-away feel, even though you're close to everything. Hidden Hills offers a lifestyle as much as a home. The community includes a pool, tennis, golf, walking paths, playground, RV/boat parking, and a clubhouse. And when you do want to venture out, you're just minutes from shopping, beaches, and the river. If you've been looking for a home that blends comfort, character, and everyday luxury, this one tells a story you'll want to be part of.
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.
