One of the largest homes located in one of Jacksonville's most charming neighborhoods now with $10,000 use-as-you-choose! There's something about this one that feels like it's seen a hundred slow mornings. The way the light comes in and spills through the sunroom, gliding across the bright white kitchen and catching on the granite counters feels like a warm wink of nostalgia. The rhythm of this home is built for both chaotic mornings and calm ones — where laughter bounces off high ceilings, and quiet moments unfold in its many cozy corners. As the holidays approach, it's easy to imagine this kitchen filled with the scent of cinnamon, coffee, and something baking in the oven... the kind of space that feels wholesome. With over 3,500 square feet, 5 bedrooms PLUS an office AND a walk-in attic, this Craftsman-style beauty isn't just huge — it's brimming with possibility. There's a downstairs primary suite that feels like a retreat, and an extra bedroom or office downstairs for added convenience. Upstairs, a loft offers the perfect hangout or play space, 4 additional bedrooms, and a large walk-in attic means storage isn't something you'll ever run short on — ideal for tucking away luggage, keepsakes, or those big holiday bins. Pay close attention to all the high-vaulted ceilings — a dream! Step outside and the story keeps going. You'll find a hot tub tucked beneath a pergola, surrounded by gardens, a storage shed, and just enough fenced privacy. This is where twinkle lights glow over cozy late-night conversations, and where the colder months feel like an invitation to slow down and savor. Sitting close to MCB Camp Lejeune, the Crystal Coast beaches, and every convenience the area has to offer... you don't just find a house here — you'll find the kind of home that remembers the scent of Sunday morning pancakes and the hum of a full house. And as the year winds down, this one becomes the place where holiday memories begin — warm, bright, and beautifully yours
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.
