100 Eva Dr Saint Marys, GA 31558
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About this home
NEARLY NEW 4-BEDROOM HOME WITH A CORNER LOCATION IN MOODY LAKE ESTATES. LOOKING FOR A MOVE-IN READY HOME WITH SPACE TO SPREAD OUT? THIS AWESOME 4-BEDROOM PLACE HAS A SUPER FUNCTIONAL SPLIT FLOOR PLAN, TWO COVERED PORCHES, AND WOOD-LOOK TILED FLOORS THROUGHOUT THE MAIN AREAS, PRIMARY SUITE, & BATHROOMS- EASY TO KEEP CLEAN AND GREAT FOR EVERYDAY LIVING. YOU'LL LOVE THE OPEN KITCHEN WITH ITS BIG ISLAND, BREAKFAST BAR, FARMHOUSE SINK, AND STAINLESS STEEL APPLIANCES: ALL OVERLOOKING THE DINING AND LIVING AREAS SO YOU NEVER MISS A MOMENT. THE PRIMARY SUITE IS A TOTAL RETREAT WITH A DOUBLE VANITY, TILED SHOWER, SPACIOUS WALK-IN CLOSET, AND EVEN DIRECT ACCESS TO THE LAUNDRY ROOM (NO MORE HAULING CLOTHES ACROSS THE HOUSE!). OUTSIDE, THERE'S LOW-MAINTENANCE FIBER CEMENT SIDING, A TWO-CAR GARAGE, AND YOU'RE IN AN X FLOOD ZONE-SO NO FLOOD INSURANCE NEEDED. THIS HOME OFFERS SOLID CONSTRUCTION AND THOUGHTFUL DESIGN THROUGHOUT. BUILT WITH 2X6 EXTERIOR WALLS SPACED 16 INCHES ON CENTER, IT PROVIDES ENHANCED STRUCTURAL INTEGRITY AND SUPERIOR INSULATION WITH AN R-19 RATING. THE LOT WAS PROFESSIONALLY COMPACTED PRIOR TO CONSTRUCTION TO MINIMIZE SETTLING, ENSURING LONG-TERM STABILITY. THE ROOF FEATURES DURABLE 30-YEAR ARCHITECTURAL SHINGLES, COMBINING BOTH STYLE AND DEPENDABLE PROTECTION. SUPER CLOSE TO SCHOOLS, SHOPPING, RESTAURANTS, AND QUICK ACCESS TO KINGS BAY SUB BASE. BONUS: THE BACKYARD IS FENCED AND INCLUDES A PATIO PERFECT FOR GRILLING. THIS ONE'S EASY TO SHOW-COME CHECK IT OUT TODAY!
Source: GAMLS #10577179
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FAQs
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.