321 Anna Ruby Ct Griffin, GA 30223
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About this home
This home with basement has so much to offer including the location inside the Sun City Peachtree community! The brick and stone home offers one level living with 3 bedrooms on the main, each with their own en-suite, plus a full finished basement. There's also an office off the foyer which could serve as a flex space. The master bedroom has a wall of windows that overlook the backyard and green space. The large dining room seats 10+ for family gatherings and includes a butler's service area between the dining room and kitchen. The spacious kitchen is ready to entertain with its granite countertops, a double oven, cooktop, island and plenty of countertop space. The kitchen has an open view into the large living room and informal dining area. The view continues straight through to the sunroom. The natural light in this home is fabulous! Don't forget to check out the deck on the main level that has a gas line plumbed for your grill. The laundry room is also situated on the main level and there is plenty of closet space throughout for all your belongings! Both upstairs and downstairs is wired with a sound system for those times when you entertain guests. Downstairs in the finished basement you will find two spacious bedrooms, an office, a full bath, a secondary kitchenette with sink & mini fridge, a pool table in the game room area, and a large family room space. Be sure to wander into the unfinished basement area that provides you with more storage and is heated and air conditioned! This terrace level walks out onto the wonderful stone patio and a grass area overlooking the greenspace. Crown molding, paneled columns, a fireplace--the extras are too many to list. There's over 5,000 square feet of living space in this well-maintained home and it's located a short golf cart ride to the golf course's clubhouse. The community offers 55+ living with a pool, library, pickle ball courts, tennis courts, basketball courts, a golf course and clubhouse plus plenty of planned activities to keep you busy. It's Del Webb living at its best! Call today to schedule an apppointment to see it now!
Source: GAMLS #10599258
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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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