149 Foxtail Dr Hartwell, GA 30643
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About this home
Recently Renovated Lake Hartwell Retreat - Sought after Reed Creek Area. Welcome to your lakeside retreat! This renovated 4-bedroom, 2-bath home sits on a premier lot in the beautiful Reed Creek area of Lake Hartwell, offering everything you need for immediate lake life enjoyment. Step inside to a bright and open living space showcasing stunning lake views from nearly every room. The updated kitchen features brand-new cabinetry, stainless steel appliances, granite countertops, and easy-care laminate flooring. In addition to the kitchen, the main floor offers a luxurious bath complete with a large soaking tub and custom tile shower. Outside, enjoy a gentle stroll to your single-slip covered dock sitting in deep water just off the main channel-ideal for swimming, boating, and year-round enjoyment. Perfect as a weekend retreat or full-time residence, this home combines comfort, convenience, and natural beauty. Located just minutes from downtown Hartwell and Lavonia, you'll have easy access to shopping, dining, golf, and the Crawfords Ferry boat ramp. Don't miss this chance to own an affordable lake home in one of Lake Hartwell's most preferred locations!
Source: GAMLS #10586941
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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.