309 Bateau Dr Saint Marys, GA 31558
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About this home
THIS STUNNING FOUR-BEDROOM, THREE-AND-A-HALF-BATH CUSTOM HOME IS PERFECTLY POSITIONED ON AN EXPANSIVE ESTATE LOT WITH SWEEPING MARSH AND WATER VIEWS. BUILT IN 2022 WITH DURABLE, LOW-MAINTENANCE CONCRETE SIDING, THE HOME OFFERS EXCEPTIONAL OUTDOOR LIVING, INCLUDING A BEAUTIFULLY LANDSCAPED YARD WITH A PRIVATE WELL-POWERED IRRIGATION SYSTEM AND A WALKWAY CONNECTING THE DRIVEWAY TO THE BACKYARD. THE SCREENED LANAI IS IDEAL FOR RELAXING OR ENTERTAINING, FEATURING TILE FLOORING, A DEEP SINK, AND PLUMBING ALREADY IN PLACE FOR YOUR FUTURE OUTDOOR KITCHEN. INSIDE, THE HOME SHOWCASES ELEGANT SPANISH PORCELAIN TILE THROUGHOUT AND A BRIGHT, OPEN LIVING SPACE WITH A COFFERED CEILING AND ABUNDANT NATURAL LIGHT. THE KITCHEN IS A CHEF'S DREAM, EQUIPPED WITH A GAS COOKTOP, WALK-IN PANTRY, AMPLE PREP SPACE, AND A LARGE ISLAND WITH SEATING, COMPLEMENTED BY AN EAT-IN DINING AREA. A FORMAL DINING ROOM PROVIDES ADDITIONAL SPACE FOR ENTERTAINING OR COULD BE REPURPOSED AS NEEDED. JUST OFF THE FOYER, THE FOURTH BEDROOM IS CURRENTLY USED AS A HOME OFFICE, OFFERING FLEXIBILITY TO SUIT YOUR LIFESTYLE. THE SPACIOUS PRIMARY SUITE OFFERS PRIVATE ACCESS TO THE LANAI, DUAL WALK-IN CLOSETS, AND A LUXURIOUS EN SUITE BATH WITH SEPARATE VANITIES AND AN OVERSIZED WALK-IN SHOWER. TWO ADDITIONAL BEDROOMS EACH FEATURE THEIR OWN PRIVATE BATHROOMS IN A DESIRABLE SPLIT FLOOR PLAN LAYOUT. ADDITIONAL FEATURES INCLUDE AN INDOOR LAUNDRY ROOM, TWO GAS TANKLESS WATER HEATERS, A SMART THERMOSTAT, AND LEAFFILTER GUTTER GUARDS. THE SPACIOUS THREE-CAR GARAGE IS EQUIPPED WITH A STORAGE ROOM AS WELL AS AN EV CHARGING PORT, PERFECT FOR MODERN, ENERGY-CONSCIOUS LIVING. A WOODEN SEAWALL ADDS AN EXTRA LAYER OF PROTECTION FOR THE PROPERTY. LOCATED IN STUNNING WINDING RIVER COMMUNITY, RESIDENTS ENJOY ACCESS TO A POOL, FITNESS CENTER, CLUBHOUSE, SPORTS FIELD, AND WALKING/BIKING TRAILS. THIS HOME IS CONVENIENTLY SITUATED NEAR SCHOOLS, SHOPPING, DINING, AND I-95, AND JUST MINUTES FROM KINGS BAY NAVAL SUBMARINE BASE.
Source: GAMLS #10544699
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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.