3500 Dolphin St Brunswick, GA 31520
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About this home
Welcome to this beautiful, raised Lowcountry-style home, perfectly blending classic southern charm with modern versatility. Nestled on a quiet, tree-lined street, this home offers serene privacy while keeping you just minutes from the beaches of St. Simons Island, shopping, dining, and easy access to the interstate. NEW ROOF & NEW HVAC-2024! Move in with ease, knowing these big ticket items have already been completed! Wraparound porches greet you at the front, inviting you to savor morning coffee while a screened back porch overlooks a large, level, fully fenced backyard - ideal for play, pets, or future pool installation. Mature trees, including a thriving citrus tree, enhance the natural beauty of the lot, and a convenient gate and large concrete pad provides ample room for RV or boat parking. Inside, the main floor features a spacious primary suite with en suite bath and walk-in closet, a great room with a wood-burning fireplace and gas starter, and an eat-in kitchen with a large island and direct access to the screened porch. A half bath completes the main level. Upstairs, you'll find three additional bedrooms and a Jack-and-Jill bath connecting two of them, offering flexible living options. The ground level presents an exciting BONUS: a private apartment or guest suite with kitchenette, full bath, and sleeping area - perfect for rental income, guest quarters, or multigenerational living. The apartment even has it's own private access from the ground floor! Also on this level is a LARGE versatile FLEX space, originally a garage, that can easily be transformed into a man cave, workshop, art studio, home gym, or returned to garage use -- ENDLESS possibilities! Move in and enjoy as-is, or add your personal touches to elevate this already remarkable home. With southern charm, prime LOCATION, abundant outdoor space, multiple living options and NO HOA this property is a rare opportunity to embrace the rich beauty and convenience of the Golden Isles lifestyle.
Source: GAMLS #10632089
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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.