213 N St SW Thomaston, GA 30286
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About this home
There's something special about Silvertown. Tucked right in the heart of town, you're close to everything, yet this little pocket feels like home the second you arrive. And when you walk up to this cottage, you'll see why. The front porch is the kind that begs for a rocking chair and a cup of coffee in the morning. It's welcoming before you even step inside. Open the front door and the charm continues-1,679 square feet of living space filled with character and comfort. With 3 spacious bedrooms and 2 full baths, the home offers plenty of room for everyone while still feeling warm and inviting. The gleaming hardwood floors stretch throughout, light spills through smiling windows, and the layout flows with ease. The kitchen has been beautifully renovated with granite countertops, crisp cabinetry, and plenty of space for gathering while supper is simmering on the stove. The master suite feels like its own retreat with a gorgeous walk-in shower, while the two additional bedrooms provide comfort and flexibility. A bonus room/den adds even more possibilities-whether you dream of a cozy movie space, a home office, or a playroom. Step out back and you'll find thoughtful touches that make everyday living easy-covered parking, a tucked-away sitting area, and updates everywhere you look. Recent renovations include new plumbing, electrical, and water heater, plus a newer roof and HVAC system (with ductwork)-so all the big projects are already complete. This cottage isn't just a house-it's a story waiting to be lived. Morning coffee on the porch. Cozy nights in the den. Peace of mind knowing every detail has been thoughtfully updated. All that's missing now is you.
Source: GAMLS #10609769
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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.