107 Kerstin Ct Kingsland, GA 31548
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About this home
Welcome home to Laurel Landing, nestled in the beautiful Laurel Links Public Golf Community. This charming single-family attached stucco villa offers the perfect blend of comfort, convenience, and privacy. The fenced backyard backs up to a serene tree line, creating a peaceful retreat to enjoy from your screened-in porch. Lawn care and irrigation water are included in the HOA, so all you need to maintain is your flower bed giving you more time to relax and enjoy your home. Inside, you'll find wood-look tile flooring throughout the living, dining, kitchen, and bath areas, creating a warm and inviting atmosphere. Elegant crown moldings and trey ceilings enhance the living and kitchen areas, adding a touch of architectural detail and sophistication. The open-concept layout is ideal for both everyday living and entertaining. The kitchen features granite countertops, a spacious island, a walk-in pantry, and stainless-steel appliances. The split-bedroom floor plan offers a large owner's suite overlooking the backyard. The owner's retreat also features crown molding and a trey ceiling, elevating the sense of luxury. The spa-like en-suite includes double vanities, a soaking tub, a huge open tiled shower, a private water closet, and an oversized walk-in closet with custom built-ins. Two additional guest rooms with vaulted ceilings provide comfortable and stylish spaces for family or guests. The laundry room has been cleverly designed to include room for a desk, adding versatility to the home. Exclusive Laurel Landing amenities include a sparkling pool with a separate shallow area, a community fitness room with weight equipment, and two playgrounds, one at the pool and another closer to the villa at the end of Laurel Landing Blvd. Located just minutes from Naval Submarine Base Kings Bay, I-95, shopping, dining, schools, Historic St. Marys Waterfront Park, and Crooked River State Park, this home offers easy access to everything you need. Commuting to Jacksonville, Brunswick, or the beautiful Georgia and Florida beaches is a breeze. Experience easy living and a vibrant lifestyle-schedule your private tour today!
Source: GAMLS #10623571
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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.