Welcome home to 109 Azalea Ct in Kingsland, GA. This well-maintained residence is ideally located in a quiet, established neighborhood just minutes from Kings Bay Naval Base, local schools, shopping, and dining. Featuring a functional layout, comfortable living spaces, and a private backyard, this home is perfect for first-time buyers, military relocation, or anyone seeking affordable living in Camden County. Enjoy easy access to St. Marys, I-95, and coastal Georgia destinations while still enjoying a peaceful residential setting. No HOA. Move-in ready and competitively priced-schedule your showing today. Move-in ready one-story ranch home located in the highly desirable Lakes neighborhood area of Kingsland, Georgia. This well-maintained 3 bedroom, 2 bath home offers 1,236 square feet of efficient living space with a functional floor plan designed for everyday comfort. Situated on a quiet street with minimal traffic, the property features a private, fully fenced backyard, ideal for relaxing, entertaining, pets, or outdoor activities. The home offers single-level living, making it an excellent option for first-time homebuyers, downsizers, relocation buyers, and investors seeking a low-maintenance property. Conveniently located near Kings Bay Naval Submarine Base, schools, shopping, dining, and with easy access to I-95, this Lakes-area home combines privacy with accessibility. A strong opportunity for buyers looking for a move-in ready home in the Lakes neighborhood of Kingsland with a fenced yard and quiet setting. FOR INVESTORS Updated 3-bedroom, 2-bath ranch in Kingsland GA offering a strong combination of location, condition, and tenant appeal. Situated on a quiet court with no through traffic and a fully fenced backyard, this single-story home features new flooring, fresh paint inside and out, and remodeled bathrooms. Located minutes from Kings Bay Submarine Base, schools, shopping, and I-95, this property is well-positioned for long-term rental demand or resale. Efficient floor plan and low-maintenance updates make this a solid opportunity for investors targeting Camden County. FOR MILITARY RELO PCS orders to Kings Bay? This move-in ready 3-bedroom, 2-bath ranch in Kingsland GA 31548 offers the convenience and privacy military families value. Located minutes from Kings Bay Submarine Base, schools, shopping, and quick access to I-95, this single-story home sits on a quiet court with no drive-by traffic and a fully fenced backyard. With new flooring, fresh paint, and remodeled baths, it's ready for a smooth transition. Homes near Kings Bay under $300K move fast-schedule your showing today.
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.
