35 Villa Ct Unit 8, 9, 10 Hartwell, GA 30643
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About this home
Set on 1.64 private, wooded acres along the Lake Hartwell shoreline, 35 Villa Court offers more than just a home; it is a lifestyle and a potential income opportunity. This 3-bedroom, 3-bath lakefront retreat boasts over 2,700 square feet of thoughtfully designed space, perfectly balancing gathering areas with quiet corners for relaxation and privacy. On the main level, you'll find the spacious primary suite, an open-concept living area with lake views, and access to the deck, ideal for long conversations, morning coffee, or golden-hour cocktails. Downstairs, an additional bedroom and flexible living space provide room for guests or rental tenants, with a convenient boat garage and storage area that streamlines convenient lake living. Outside, a 4x16 ft. gangway leads to a dock that's perfect for boating, fishing, or lazy afternoons soaking in the sun. A 3-car garage offers ample storage for vehicles, golf carts, paddleboards, and more. Dock permits will be issued in the name of the new owners, ensuring everything is up-to-date and ready for you to enjoy. Lake Hartwell is a popular destination year-round, and this home's layout and location offer everything. This home is a peaceful retreat, where mornings begin with birdsong and coffee and evenings end with stars over still water. Now, it's ready for its next chapter. Welcome to 35 Villa Court! Your private, lakefront escape with unlimited potential and lasting value.
Source: GAMLS #10617351
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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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