4201 Valley Crest Dr Columbus, GA 31907
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About this home
Charming two-story traditional residence perfectly situated on a spacious corner lot with RENOVATED BATHROOMS, in a desirable Columbus location. Enjoy the covered front porch and extended patio area, ideal for morning coffee or a quiet read. Step inside the inviting foyer, enhanced with custom wood detailing that continues up the staircase. Adjoining vaulted dining room filled with natural light. The spacious family room offers a cozy fireplace, coat closet, and an inviting layout perfect for gathering and entertaining. The eat-in kitchen is equipped with stainless steel appliances, a stylish backsplash, and a view of the backyard. A bedroom and full bath on the main level provide flexibility for guests or multi-generational living. Upstairs, retreat to the STUNNING PRIMARY SUITE showcasing a tray ceiling, accent wall, double vanity, walk-in shower, and a garden tub. Two additional bedrooms and an additional full bath complete the upper level. Every bathroom has been beautifully renovated as well as the laundry room (2024) that stands out with floating shelves and stylish finishes. Even a TANKLESS WATER HEATER!! Outside, enjoy a SPRAWLING BACK PATIO with OUTDOOR FURNITURE INCLUDED, ready for your next gathering or quiet evening under the stars. The patio features custom corner wood post perfect for hanging outdoor light for a relaxing ambience. Included swing set area, also added in 2024. The fully fenced backyard and wooded backdrop offer privacy, giving you the freedom to customize and design the space to your liking, with no HOA restrictions! Conveniently located near schools, major highways for an easy commute, grocery stores, shopping, dining, and Shirley Winston Park for outdoor adventure and recreational fun. This home provides easy access to all the great things Columbus has to offer. Just minutes from the city yet tucked away from the hustle and bustle.
Source: GAMLS #10624000
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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.