613 Van Morrison Rd Monticello, GA 31064
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About this home
Welcome to this gorgeous craftsman style resort feeling home nestled in on more than 15 acres of woodland privacy. A creek runs several yards behind the home providing drinking water for the wildlife and a meadow at the very front of the property with endless usefulness. The front lawn has been meticulously maintained and features a pergola covering a stone fire pit ideal for cool evening outdoor relaxation. Upon entry, you'll step in the two-story foyer. To the right of the entryway is a separate formal dining room with a coffered ceiling and elegant trim. Straight through the foyer is the welcoming family room featuring a wood burning stove set against floor to ceiling stone and a door leading to the screened in porch. The ceiling is covered in wood panel and the eucalyptus floors run throughout the main level. Seamlessly step into the kitchen with granite counter tops, stainless steel appliances and a breakfast nook perfect for social gatherings. Beyond the nook is the laundry/mud room which leads to a sizable bonus room. Back through the open-concept kitchen and living room is the elegant private master bedroom accented with beautiful trim and a door leading to the peaceful back porch overlooking the backyard, forestry and creek. The massive unique "L" shaped walk-in master closet features built-in shelving and ample space. Just past the closet is the enormous master bath with stone floors and a separate water closet. A massive jetted spa tub allows for the perfect relaxation with a separate stone shower. Meet back at the foyer and up the stairs to two bedrooms and a full bath. Downstairs to the finished basement is substantial space featuring a nook, a home theater, two more bedrooms and another full bath! Out the doors to the stone back patio, you'll enter the serene fenced in back yard. There is also a separate 36x36 POWERED workshop with a double garage door perfect for hobbyists, serious professionals or more storage. In addition, there is a tall 18x30 carport that can be used for boat/trailer storage, outdoor gatherings or more work space. Located 2 miles from Lakeview Marina and less than 7 miles to Berry's Boat Dock on Jackson Lake, there is no shortage of outdoor entertainment. Come see this breathtaking peace of paradise for yourself.
Source: GAMLS #10631486
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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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