55 Enclave Way NE Ludowici, GA 31316
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About this home
Seller is offering $8,000 toward buyer concessions-use it to reduce closing costs, buy down your rate, or personalize your move-in experience. Plus, washer and dryer will convey, adding even more value to this turnkey opportunity. Price Improvement + Motivated Seller! Now offered at a new, competitive price-this stunning home is ready for its next chapter. Nestled on a generous .51-acre corner lot, this beautifully designed residence blends modern convenience with timeless charm. Featuring 3 spacious bedrooms, 2.5 bathrooms, and a thoughtfully crafted flex space, it's ideal for families, professionals, or anyone seeking room to grow and thrive. Step inside to an open-concept layout that seamlessly connects the kitchen and living areas-perfect for entertaining or cozy nights in. The kitchen is a chef's dream, complete with granite countertops, a center island, ample cabinetry, a pantry, and a walk-in utility closet that can be customized to suit your needs. At the front of the home, a versatile room awaits-perfect as a formal dining room, home office, or den to match your lifestyle. Upstairs, the luxurious primary suite features a tray ceiling and a spa-like bathroom with a soaking tub, separate shower, double vanity, and a spacious walk-in closet that connects directly to the laundry room-a thoughtful touch that simplifies daily living. Additional bedrooms are generously sized, and the upstairs flex area offers even more space for a playroom, media room, or creative studio. Outside, enjoy the privacy and space of your corner lot and covered back porch, ideal for gatherings, gardening, or relaxing under the Georgia sky. Don't miss this opportunity-schedule your showing today! Quick closing available.
Source: GAMLS #10558831
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Close stress-free in 45 days, handled start to finish by Roam.
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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.