215 7th St Columbus, GA 31901
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About this home
Don't Miss Your Chance to Own This Historic Beauty - Circa 1908! Once a charming bed and breakfast, this stunning Victorian home sits on a corner lot in the Columbus Downtown Historic District. It has been beautifully updated with modern conveniences while preserving the timeless beauty and charm of yesteryear! Step inside to find polished hardwood floors, soaring tall ceilings, and a cozy fireplaces in the spacious living room, which seamlessly flows into the elegant dining room. Solid wood pocket doors provide privacy when needed but open up to create a perfect space for entertaining. The kitchen is a chef's dream, featuring a pantry, granite countertops, and a gas stove. The primary suite is located on the main floor and boasts its own private sitting room, ensuite with dual sinks, a soaking tub, a separate shower, two walk-in closets, plus a linen closet. Upstairs, each sunlit bedroom has its own private bathroom, adding comfort and convenience. Step outside into your private backyard oasis, where you can enjoy a HEATED saltwater pool with a pool house-perfect for spring and summer entertaining! Inside the pool house, you'll find a full bathroom, a spacious living area, a wet bar, a storage room, and beautiful French doors that allow you to stay cool indoors while still being part of the festivities. Additional features include: detached garage has extra storage for a golf cart or lawnmower, fenced-in parking for added security, new spray foam insulation for energy efficiency, encapsulated crawl space, HVAC system (only 4 years old!), exterior freshly painted in 2022, plantation shutters for classic Southern charm, hot tub for ultimate relaxation! Don't miss this rare opportunity to own a piece of history with all the modern comforts you desire! Home was moved to this site and brought up to code at that time!
Source: GAMLS #10591754
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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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