331 River Mansion Dr Jefferson, GA 30549
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About this home
Welcome to this beautiful home — where outdoor adventure and peaceful living collide. Set on 7.8 private, wooded acres along the North Oconee River in beautiful Jefferson, GA, this rare property offers private access to hunt, fish, kayak, and explore right in your own backyard. Wake up to the sounds of nature, spend your weekends casting a line from the riverbank, or follow wildlife trails through the trees — this is more than a home, it’s a nature lover’s dream come true. Built in 2020, this single-family brick-front ranch craftsman-style home features 4 bedrooms, 2.5 bathrooms, and 2,891 sq. ft. of spacious single-level living surrounded by peace, privacy, and pristine scenery. Step inside from the covered front porch into a welcoming entrance foyer with 10-ft ceilings, crown molding, and recessed lighting throughout. The open-concept floor plan is designed for both comfort and entertaining, with a spacious living room with many windows, an elegant fireplace, and beautiful views of the surrounding landscape. The kitchen has stainless steel appliances, a massive oversized island, three pantries, and a bright breakfast area overlooking the backyard. A custom mudroom adds convenience and functionality for outdoor enthusiasts. The master bedroom offers abundant natural light, tray ceiling, large walk-in closet, and a beautiful bathroom. Secondary bedrooms are spacious, perfect for family, guests, or flex space. Outdoor living is where this property truly shines. Enjoy a covered rear deck ideal for gatherings, an above-ground pool with a spacious sun deck, and two gazebos — one for grilling and dining, the other for sitting and quiet relaxation. The wooded backyard seamlessly connects you to nature, while the extra wrap-around driveway provides added convenience for additional parking. Located just minutes from downtown Jefferson, great schools, and major highways, this riverfront retreat offers the ultimate combination of outdoor lifestyle, and privacy — a rare opportunity for those who dream of owning their own slice of nature without sacrificing modern comfort. Welcome Home!!!
Source: FMLS #7655896
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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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