Welcome home to this beautiful property located in a highly sought-after neighborhood within the desirable Jack Britt School District. You’ll love the convenience of being just minutes from grocery stores, gas stations, and a pharmacy with even more retail coming soon, including Target and Publix. Tucked away in a quiet cul-de-sac, this spacious 4-bedroom, 2.5-bath home is thoughtfully designed for comfortable family living and includes a two-car garage with plenty of space for parking and storage. All flooring has been updated with new luxury vinyl plank throughout the entire main level and upstairs, creating a clean, modern look with durability built for everyday living.The main living area centers around an electric fireplace, offering a cozy focal point for relaxing. The kitchen is designed for functionality with abundant cabinetry, generous counter space, and a dedicated pantry, giving you the storage every busy household needs. Just off the main living space, the first-floor laundry room includes additional shelving, keeping organization simple and convenient.The second level features all bedrooms along with a versatile loft space perfect for a media room, playroom, or home office. The owner's suite is thoughtfully positioned on the opposite side of the home from the secondary bedrooms, providing an added sense of privacy. A cozy reading nook creates the perfect retreat within the suite, while the three additional bedrooms are spacious enough to comfortably accommodate queen-size beds.Step outside and the backyard, you'll enjoy an extended concrete patio providing plenty of room for gatherings, grilling, or outdoor living, while the built-in covered gazebo creates the perfect shaded retreat. A built-in basketball goal adds a fun recreational element that makes this yard stand out from the rest along with a shed for extra storage.Homes with this combination of upgrades, outdoor features, and cul-de-sac location don’t last long in this area. If you’ve been waiting for a move-in ready home with space to live and entertain; look no further!Preferred lender offering .5% credit: Jasson Quinones w/ PRMI - 912.596.7587 | Preferred attorney: The Law Office of KD White
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.
