321 Harbour Island Cir Waverly, GA 31565
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About this home
Your Coastal Georgia dream home awaits! Perfectly tucked away in the coveted Estates of Sanctuary Cove, this beautiful Josselyn Homes built residence offers serene water views and refined Lowcountry living. This thoughtfully designed 4-bedroom, 2-bathroom single story home features a welcoming foyer, living room highlighted by a tray ceiling, a light-filled dining area, an open island kitchen with granite countertops, white cabinetry, and stainless appliances - including a double convection oven ideal for kitchen aficionados! Storage is a breeze with a pantry, laundry room, garage entryway mudroom cabinetry and storage closets. The spacious primary suite is a peaceful retreat with its tranquil pond views, tray ceiling, and spa-inspired ensuite bath that includes double vanities, a soaker tub, a large tiled walk-in shower and walk-in closet. Relax or entertain out on the expansive screened-in back porch overlooking the lake and your beautifully maintained yard. The 3-car garage provides ample room for vehicles, tools or even a possible dedicated workshop or hobby area. Additional features include: crown moulding throughout, wood-looking tile flooring in the main areas, custom wood closet shelving, a solar-powered water softener, a 50-gallon water heater and built-in irrigation! All of this is located minutes from I-95 and just a short drive to the Golden Isles and Coastal Georgia! Included amenities for this private coastal community are: a pool, tennis courts, fitness facilities, a clubhouse, community center, deep-water access to Little Satilla River and access to The Golf Club at Sanctuary Cove. Don't miss your chance to live the coastal lifestyle you've always dreamed of!
Source: GAMLS #10612022
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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.