1904 Digg Ct Columbia, TN 38401
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About this home
CUSTOM BUILT, ONE OF A KIND OPPORTUNITY, NOTHING ELSE LIKE IT ON THE MARKET! 2 INDEPENDANT LIVING QUARTERS UNDER ONE ROOF *1 acre lot in a quiet cul de sac with more than 2,900 square feet of living space all on a SINGLE LEVEL. This home has been loved and the thoughtful details found throughout tell the story. Enjoy these hot summer days in the in-ground pool with brand new liner and new Hayward saltwater system for low maintenance ,crystal clear water or in the climate controlled sunroom with 14 ft SWIM SPA overlooking the pool. This beautiful home features vaulted ceilings, huge picture windows, an expansive, updated primary bedroom featuring an ensuite with heated floors, double vanities and step in shower. Freshly painted with newer windows, encapsulated crawlspace, tankless water heater and an energy efficient heat pump system installed to save on electric bills. Designed as a private in-law suite, this space comes fully equipped with a kitchen, separate living room, 2 bathrooms, a sunroom, and an ADA certified ramp installed by the VA. Don't miss this one! Years of upgrades available here that new construction homes simply do not provide. All of this nestled in a highly sought after area in the Culleoka School System. See media for a complete list of updates. Schedule your tour today! No sign in yard.
Source: REALTRACS #3017842
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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.