636 Dogwood Dr Columbus, GA 31907
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About this home
Welcome home to this charming 4-bedroom, 2-bath brick ranch perfectly set on a corner lot along a beautiful tree-lined street with sidewalks. A semi-circle driveway welcomes you with plenty of parking, while the fenced backyard offers both privacy and space to enjoy outdoor living. Gather around the brick paver patio and outdoor fireplace, surrounded by established landscaping featuring crepe myrtles and mature plantings. Inside, luxury vinyl plank flooring flows throughout the main living areas, complemented by tile in both bathrooms. The kitchen is a true heart of the home with a large work island with bar seating and a cozy keeping-room style layout with its own fireplace. The spacious family room is equally inviting, showcasing built-in bookcases flanking another fireplace. The primary suite is a private retreat with its oversized ensuite, complete with jetted tub and yet another fireplace for a touch of warmth and elegance. Additional bedrooms offer versatility for family, guests, or a home office. Conveniently located just minutes from area shopping and dining, with quick access to I-185, this home blends classic character, thoughtful upgrades, and an ideal location.
Source: GAMLS #10588287
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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.