Welcome home to this charming 3-bedroom, 2-bath residence ideally situated on a desirable corner lot in Martinez, Georgia. Offering the perfect blend of comfort, convenience, and location, this property presents an outstanding opportunity for families, first-time homebuyers, or anyone looking to enjoy all that Columbia County has to offer. Step inside to discover a thoughtfully designed floor plan featuring spacious living areas filled with natural light. The inviting living room provides a warm and welcoming space for relaxing with family or entertaining guests. The well-appointed kitchen offers ample cabinet and counter space, making meal preparation both easy and enjoyable, while the adjacent dining area creates the perfect setting for everyday meals and special gatherings alike. All appliances will stay with the home. The primary suite serves as a private retreat, complete with an en-suite bathroom and generous closet space. Two additional bedrooms offer flexibility for family members, guests, or a home office, while the second full bathroom is conveniently located to serve the secondary living spaces. Outside, you'll appreciate the advantages of a corner lot, providing added privacy and curb appeal. The fully fenced backyard creates a secure space for children and pets to play while offering plenty of room for outdoor entertaining, gardening, or simply enjoying the Georgia sunshine. Whether you're hosting a weekend barbecue or unwinding after a long day, this backyard is designed for making memories. Situated within the highly sought-after Columbia County School District, residents benefit from access to some of the area's most desirable schools. You'll also enjoy easy access to a variety of shopping, dining, and everyday conveniences, making errands and entertainment just minutes away. With its functional layout, fenced backyard, prime corner-lot setting, and exceptional location near schools and shopping, this Martinez home offers everything you need for comfortable living. Don't miss your chance to make this wonderful property your next home-schedule your private showing today and experience all it has to offer.
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.
