Discover the perfect combination of elegance, comfort, and spacious living in this stunning Craftsman-style home, located on 1.84 acres within the highly desirable Hinterland Hills subdivision. This home boasts 5 bedrooms, 3 full bathrooms, and a half bath to satisfy all your needs. Upon entering through the welcoming foyer, you'll be greeted by a well-designed layout that includes a spacious living room with a stacked-stone fireplace and a coffered ceiling. The dining room is separate and offers a stunning view of the living room, front porch, and yard. The kitchen features stainless steel appliances, farmhouse sink, shaker-style cabinetry, granite countertops, custom backsplash, and a walk-in pantry, as well as a bright, airy breakfast area. It's truly a chef's dream. The large master bedroom features a tray ceiling and a well-designed bathroom with double vanities, granite countertops, a large soaking tub, tiled flooring, a separate shower, and his-and-hers walk-in closets. The other bedrooms are generous in size and include a full bathroom, while the bonus room has its own full bathroom and closet, making it ideal for a guest suite. The home showcases durable LVP flooring in the main living areas, while the bedrooms are carpeted for added comfort. Step outside to enjoy a beautifully landscaped yard with Hardie board siding, brick skirting, and a complete sprinkler system. The property features inviting covered porches at the front and back, ideal for outdoor living year-round. Additional highlights include a double-car garage with a large storage room. Located in the Southeast Bulloch School District, the home is conveniently situated just minutes from I-16, less than 30 minutes from the new Hyundai plant, and only 40 minutes from Savannah/Hilton Head International Airport. This remarkable property offers much more-it's a rare find that won't last long. Call today to schedule a private showing. Don't miss your chance to make it your dream home!
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.
