108 Albright Ct Commerce, GA 30529
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About this home
This meticulously maintained craftsman-style traditional home is in Ridge Mill Manor. The home offers 4 bedrooms and 2.5 baths. Upon entry, the home offers vaulted ceilings, a nice, spacious foyer, and oak stairs going to the second level. The home features a separate dining room, great for entertaining. The family room is spacious and open concept with a brick fireplace. That also has built-in cabinets on each side. The kitchen would be a delight for any cook. It has an enormous island with space for eating. Lots of cabinet space for storage. There is also a walk-in pantry.. Granite countertops throughout the home. The home also features luxury vinyl plank flooring. The master bedroom is very spacious with a trayed ceiling and crown molding. A nice oversized walk-in closet.. The master bath boasts a garden tub and a separate shower. The second level has 3 generously spacious bedrooms, the perfect space for the kids or guests. And if the outdoors is where you would rather be, this home has an in-ground pool and a separate hot tub. Covered deck off the family room. Stubbed bath in the full unfinished basement just waiting for your creativity to finish it out. It sits on almost an acre lot in the cul-de-sac. This is a sought-after neighborhood in the East Jackson district. This home was the last home built in the neighborhood.
Source: GAMLS #10619053
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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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