VA loan
1 of 94
VA loan
$435,000

923 Buckhorn Bnd, Locust Grove, GA 30248

4 beds · 4 baths · 2,878 sqft

PRICE IMPROVEMENT!! REMODELED UPGRADES! MOVE IN READY! Welcome to Your Dream Home in the Prestigious Heron Bay Community Nestled in "The Springs" section of the renowned Heron Bay Golf Community, this stunning 2-story home offers an unparalleled blend of elegance, comfort, and modern living. Boasting 2,878 square feet of meticulously designed living space, this 4-bedroom, 3.5-bathroom residence epitomizes luxury and convenience. As you step inside, you'll be greeted by the warm glow of hardwood and tile floors that adorn the main level, exuding a sense of timeless sophistication. The spacious living areas feature vaulted ceilings that enhance the open, airy ambiance of the home. The recently remodeled kitchen is a chef's delight, equipped with stainless steel appliances, beautiful leathered granite countertops, and a spacious walk-in pantry, making it perfect for both everyday cooking and entertaining guests. The main level is home to the luxurious master bedroom, offering a private retreat with its own en-suite master bath and his/hers walk-in closets. This spa-like bathroom features a walk-in soaking tub, dual vanities, and modern fixtures, ensuring a serene and indulgent experience every day. The thoughtfully designed additional bedrooms and office space provide privacy and convenience that can accommodate various needs. The exterior of the home is equally impressive, with a beautifully manicured lawn in both the front and back yards. The private, fenced backyard is a true oasis, featuring a covered, tiled back porch that invites you to relax and enjoy the serene surroundings. Whether you're hosting a summer barbecue or simply unwinding after a long day, this outdoor space offers the perfect setting. This property is equipped with modern smart lighting, featuring Wi-Fi-enabled lights that can be effortlessly controlled via Alexa or Google Home devices. Enjoy the convenience of adjusting your lighting with voice commands or through your smartphone for an enhanced living experience. This home is also equipped with a sprinkler system to maintain the lush greenery effortlessly, and a security system for peace of mind. The property sits on just under half an acre, offering ample space and privacy. All in all, this gorgeous home reflects the care and attention to detail that has gone into making this property a true gem. Living in Heron Bay means access to an array of top-notch amenities. Enjoy leisurely strolls along the nature trails, take a refreshing dip in the community pool, or have fun at the water park. For sports enthusiasts, there are tennis courts and playgrounds available, ensuring you never run out of activities to enjoy. Additionally, the community is conveniently located close to shopping centers and restaurants, providing all the essentials and entertainment options just a short drive away. Don't miss the opportunity to make this exquisite house your new home. Experience the best of luxury living in Heron Bay, where comfort, style, and an active lifestyle come together seamlessly. Contact us today to schedule a private tour and see for yourself why this home is the perfect place to create lasting memories.

Interest rate 3
3.76%
With Roam
7%
The seller’s mortgage rate at the time the loan was originated.
Monthly payment 3
$1,232
With Roam
$1,729
Reduce your monthly payments by $496 when you assume this mortgage.
You also save $162,832 in total interest paid.

$182,534
Edit

You may be able to put down less than the total down payment amount of $182,534 and have the rest of the funds financed with a 2nd mortgage from a lender. 4

Interest rate and monthly payment estimated based on public records.

Roam helps you take over the seller’s lower interest rate 1
We help you assume the seller's mortgage and avoid higher prevailing market rates.

45-day closing guarantee 2
We work directly with the mortgage servicer to help you quickly and easily close the transaction.

VA loan
Eligible for investors
Not a veteran? You may still be qualified to assume the mortgage.
Location
Details
Home
Lot size
0.3 acres
Year built
2004
Type
Single Family Residence

Source: GAMLS #10356107

Loan
Remaining term
27 years, 4 months
Rate
3.76%
Monthly P&I
$1,232
Remaining loan balance
$252,465

Source: Public records

How it works

Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.

Tour

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.

Offer

Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.

Close

Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.

Who can qualify

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.

Frequently asked questions

What is Roam?

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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?

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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?

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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?

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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?

expand content

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.

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Last updated: Dec 05, 2024 06:23 pm
Listing agent: Donnie Evans (678) 873-8764
Listing provided courtesy of:
Details provided by GAMLS and may not match the public record.
MLS ID: #10356107
The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of GAMLS. All real estate listings are marked with the GAMLS Broker Reciprocity thumbnail logo and detailed information about them includes the name of the listing brokers. The broker providing these data believes them to be correct, but advises interested parties to confirm them before relying on them in a purchase decision. Copyright © 2024 GAMLS. All rights reserved.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.
Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 30 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.
$1,232/mo
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