103 Nelson Pl Harriman, TN 37748
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About this home
Welcome to 103 Nelson Place in Harriman, TN. Tucked away in the small, serene area of Oak Pointe, this stunning 3-bedroom, 2.5-bathroom home offers the perfect balance of modern sophistication and outdoor charm. It's ideally located just 3 miles from Kingston City Park, providing convenient access to Watts Bar Lake, where you can launch your boat for a day on the water or take a stroll along the scenic waterfront walking trails. As you approach this home, the charming front stoop welcomes you, setting the stage for the warmth and comfort you'll find inside this 2500+ sq. ft. home. The expansive family room features soaring cathedral ceilings that create a bright, airy ambiance—perfect for cozy evenings by the warm fireplace or family gatherings in the large open-concept space. Beautiful luxury vinyl plank flooring enhances the home's contemporary style with both durability and warmth. The floors extend seamlessly into the gourmet kitchen, which boasts stunning quartz countertops, a spacious island, and an expansive double pantry offering abundant storage—perfect for keeping everything organized and within reach. The main level also includes a half bath for guests and a master suite that is a true retreat. The master suite is complete with a soaking tub, double vanities, and an enormous walk-in closet. Upstairs, you'll find 2 additional bedrooms with large closets, a full bathroom, and a sprawling 500+ sq. ft. bonus room—ideal for a media room, home office, or play area. There is also a secret storage area for all your holiday decorations! Step outside the kitchen into the backyard to find your own park-like retreat. The large space is fully fenced and surrounded by mature trees and lush foliage, creating a serene, private setting. The newly stained platform deck and paver patio provide the perfect spot for outdoor gatherings and barbecues.
Source: REALTRACS #2870080
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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.
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