161 Baywood Ln Villa Rica, GA 30180
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About this home
Almost Brand-New & Absolutely Gorgeous! Welcome to The Georgian Club—where everyday living feels like a five-star resort! This impeccably maintained 4-bedroom, 3-bath home offers the perfect blend of luxury, comfort, and style. Step inside to an open-concept kitchen with a spacious walk-in pantry that flows effortlessly into the grand great room, complete with a state-of-the-art gas fireplace—perfect for entertaining or relaxing in style. The main-level guest suite with a full bath adds convenience and flexibility, while upstairs you'll find a laundry room and serene bedrooms designed for rest and retreat. Or if you prefer the outdoors, enjoy the views from the impressive deck while staying warm by the homes second gas-powered fireplace. The home also features a full walk-out daylight basement, offering endless possibilities for expansion, recreation, or storage. Located in one of Georgia’s most sought-after communities, The Georgian Club boasts an 18-hole championship golf course designed by the legendary Tom Fazio, resort-style water park with zero-entry pool, Multiple sport courts (tennis, basketball and volleyball), playgrounds, walking and biking trails and a stunning clubhouse with dining and social events—all just steps from your door. Don’t miss your chance to live where every day feels like vacation. Your dream home is waiting! 15-20 minutes to popular retail shopping in Hiram, Douglasville and Villa Rica. Easy access and less than 10 minutes from I-20. New Georgia Publix Shopping Center and brand new Mirror Lake Publix Shopping Center just minutes away. Close proximity to Elementary School and Middle School. Trusted daycare option minutes away. This home has an assumable VA loan
Source: FMLS #7668278
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Close stress-free in 45 days, handled start to finish by Roam.
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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.