2288 Elise Way Hampton, GA 30228
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About this home
Welcome to the residential experience of this updated Layla II floor plan, offering 2,001sq. ft. of refined living space, recently renovated by the original homeowner. This home combines functionality and modern design featuring 2 levels of luxury living tucked into a peaceful cul-de-sac for your quiet enjoyment. Perfect for the the entertainer, teleworker, families, etc., this 4 bedroom, 2.5 bath stunner has been recently renovated to appeal to the most discriminating taste. Enjoy hard surfaces throughout all of the common areas and your Primary bedroom, open rail at your balcony, wood stair treads, LED mirrors, floating sinks and more. Your roomy 2-car garage has all the space you'll need to park/store and it's conveniently equipped with a 240 Volt EV changing station. Entertain with ease in this open floor plan on your gourmet kitchen island, highlighted by heather grey cabinets and a sleek white backsplash; all overlooking the dining and living room areas. Retire to your RETREAT of a Primary Suite and relax in front of your built-in linear fireplace after a long day. The Primary Bathroom invites to you get ready to go at your dual vanity with floating sinks and LED mirror, or wind down in your tiled shower or soaking tub. Your Primary Suite also features a large walk-in closet, and the three other bedrooms on this floor are perfect for a private office, gym or traditional use. Located just off off US-19/41-Tara Blvd. restaurants and shopping punctuate this street offering a perfect blend of lifestyle and location. Less than 1mile from the nearest grocery store and other creature comforts, this area is a hub for work, shopping, dining, and entertainment. This private gated community boasts the peace that you expect from your community. Ask the listing agent about your ability to purchase this home almost totally as-is, complete with televisions, and other furniture if desired.
Source: FMLS #7644099
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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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