203 Gibson Cir, Kathleen, GA 31047
3 beds · 2 baths · sqft
Welcome to Your Dream Home in Kathleen, Georgia! This 3-year-young, stepless ranch-style home offers the perfect blend of modern convenience and comfort, ideally located just 20 minutes from Robins Air Force Base—making it an excellent choice for military families or singles. Situated on a private, spacious fenced lot, this home provides both tranquility and easy access to all the conveniences of nearby Perry, including shopping, dining, and the highly regarded schools of Kathleen. As you enter, you'll be greeted by luxury vinyl tile flooring that leads you into an open, light-filled floor plan. The spacious Living Area seamlessly flows into the Formal Dining Area and an Office Space—ideal for work or study. The Heart of the Home is the wonderful Kitchen, featuring granite countertops, stainless steel appliances, and like-new cabinetry. With its open layout and pantry, this Kitchen is perfect for both everyday meals and entertaining guests. The Owner's Suite, located on the right side of the home for added privacy, offers a serene retreat with a private bathroom that includes a double vanity, soaking tub, separate shower, walk-in closet, and a water closet. Two additional bedrooms are thoughtfully located on the opposite side of the home, offering privacy for family members or guests. Step outside to enjoy the large, privacy-fenced backyard—perfect for kids, pets, or outdoor entertaining. This home truly has it all: a great location, stylish updates, and plenty of space for growing families, first-time buyers, or anyone seeking a low-maintenance lifestyle. This home is ready for you to move in and start making memories! Schedule a showing today through showingtime and make this beautiful home yours!
Source: FMLS #7487454
Interest rate and monthly payment estimated based on public records.
Source: FMLS #7487454
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
MLS ID: #7487454
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.