121 S Higby St Jackson, MI 49203
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About this home
Welcome to this stunning, move-in ready home located in Jackson's highly sought-after Queens Area neighborhood. Blending timeless elegance with thoughtful, modern updates, this spacious residence offers comfort, character, and convenience at every turn.The heart of the home is the completely remodeled kitchen (2021), featuring an abundance of cabinetry, a large center island with in-kitchen seating, and all appliances included--making it truly turnkey. The adjacent family room offers a cozy and functional space with custom built-ins and room for an informal dining area, perfect for everyday living and entertaining.Both full bathrooms were beautifully renovated in 2021, each offering generous storage, modern finishes, and clever features like night lights built into the kickboards. One bath includes a full tub, while the other offers a walk-in shower to suit all needs.Throughout the home, you'll find rich hardwood floors, custom lighting, and detailed built-ins that add both charm and practicality. The grand foyer welcomes you with coat closets and a sense of classic formality, while the upstairs laundry chute adds a fun and functional touch. The second floor features spacious bedrooms, including a large primary with dual closets and a cozy window seat. The fourth bedroom is ideal as a home office, complete with a custom built-in bookshelf and cabinet. The basement has been freshly painted and offers exceptional storage with built-in shelves and cabinets, as well as potential for a rec room, home gym, or creative space. Central AC keeps things comfortable year-round. Step outside to a nicely landscaped yard with a patio, a mostly fenced backyard for privacy, and a 2-car detached garage. Located just minutes from local parks, shopping, and the city's multi-modal path, this home offers the best of Jackson living in one of its most desirable neighborhoods. Don't miss your chance to own this beautifully updated, well-cared-for home with room to grow and space to thrive!
Source: REALCOMP #55025055511
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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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