Looking for a solidly built home with some major updates already done for you? Welcome to 6208 Barberie St a 3-bedroom, 1-bath concrete block gem offering 1,115 square feet of comfortable, move-in ready living in a highly convenient North Jacksonville location! This home has been thoughtfully updated where it counts most. The HVAC system was replaced in 2023, and the home features all-new plumbing, electrical, and windows, plus an updated tankless water heater for efficient, on-demand hot water. That means less worry about big-ticket repairs and more time enjoying your new home. A full security system complete with a video doorbell camera and flood light camera is already installed, giving you added safety and peace of mind from day one. Step through the front door into a cozy living space anchored by a charming fireplace, perfect for relaxing evenings in. The new windows fill the home with natural light while adding to its energy efficiency. The kitchen comes fully equipped with included appliances, making your move-in process even easier. Just off the kitchen, you'll find a versatile bonus storage room, keep it as valuable extra storage, or easily convert it into a second bathroom to add even more value and functionality to this home. Florida living is all about enjoying the outdoors, and this property delivers. Relax on the charming front porch, or take advantage of the paved walkways that wrap along the front and both sides of the home for easy access all around. A long driveway leads to a generous backyard featuring a concrete parking pad, perfect as-is, or ready for a future carport or outdoor entertaining area. On the side of the home, a private door opens to its own separate concrete pad, ideal for an additional sitting area, garden nook, or quiet retreat. With expansive front and back yards, there's plenty of room to garden, play, entertain, or simply spread out. Enjoy quick and easy access to I-95, putting Downtown Jacksonville, River City Marketplace, top-rated shopping and dining, area schools, and Jacksonville International Airport all just minutes away. This is Jacksonville living at its most convenient! All personal items will be removed by the seller prior to buyer occupancy. For financed transactions, removal will begin once the buyer has cleared to close. For cash transactions, removal will begin once a firm closing date has been established, and the seller may require some additional time after closing to complete the process. Don't miss your chance to own this move-in ready home with major systems already updated and so much potential to make it your own. Schedule your showing today, this one won't last long!
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.
