Welcome to Fiddler's Cove, a gated enclave within the prestigious Laurel Links Public Golf Community. This exquisite residence showcases exceptional craftsmanship and thoughtful design at every turn. From the gourmet kitchen to the tranquil outdoor living spaces, no detail has been overlooked. Step inside to discover a chef-inspired kitchen featuring quartz countertops, custom cabinetry, a French-door refrigerator, a range/oven combination with glass cooktop, custom vent hood, an additional wall oven, built-in microwave, trash compactor, dishwasher, and an impressive oversized island. Wood-look tile flooring flows seamlessly throughout the home, enhancing both beauty and durability. The home offers a formal dining room at the front of the layout, as well as a large breakfast/flex room at the rear overlooking the serene pond-ideal for casual dining, morning coffee, or a versatile second living space. The open-concept living area includes built-in bookcases and provides the perfect setting for everyday comfort and entertaining. The split-bedroom layout ensures privacy, with a spacious owner's suite overlooking the tranquil backyard and pond. Its spa-like en-suite bath includes double vanities, a luxurious soaking tub, an expansive open tiled shower, a private water closet, and an oversized walk-in closet. Two guest bedrooms and a shared bath are conveniently located off the breakfast area, while a fourth bedroom and third full bath are tucked away on the opposite side of the kitchen-ideal for visitors or multi-generational living. The generous laundry room leads to a three-car garage finished with wood-sided walls and direct access to the floored, spray-foamed attic via a pull-down ladder. Another exceptional feature is the PECK plumbing center, offering individual shut-off valves for every fixture and water system in the home. Outdoors, a large covered patio offers a peaceful retreat where you can unwind to the soothing sound of the pond's fountain. Lawn care and irrigation water are included in the HOA, giving you more time to enjoy the upscale lifestyle offered here. Amenities within Laurel Landing include a sparkling pool, a community room, tennis and pickle-ball courts, a basketball court overlooking the pond, and a playground. Ideally situated just minutes from Naval Submarine Base Kings Bay, I-95, shopping, dining, schools, Historic St. Marys Waterfront Park, and Crooked River State Park, this home provides effortless access to Jacksonville, Brunswick, and nearby Georgia and Florida beaches. Experience refined living in one of Camden County's premier gated communities-schedule your private tour 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.
