102 Herons Nest Cir, Kingsland, GA 31548
5 beds · 3 baths · 2,392 sqft sqft
Discover an immaculate 5-bedroom, 3-bath lakefront home in Laurel Island Plantation. This breathtaking residence boasts high ceilings, a grand entrance foyer, a formal dining room, and a living room with vaulted ceilings. The fully equipped kitchen features raised-panel wood cabinets, granite countertops, a brand-new refrigerator, and a breakfast bar, leading to a bright breakfast nook with views of the verdant backyard and the community lake with its fountain. The owner's suite on the ground floor offers double tray ceilings, serene lake views, and an en-suite bathroom with a vaulted ceiling, dual vanities, a separate tiled shower, a luxurious tub, and a walk-in closet. Also on the ground floor is a second bedroom with direct access to the guest bathroom. The second-floor houses three spacious bedrooms, one with an attached third bathroom, while the other two feature vaulted ceilings. Savor your morning coffee on the screened porch or by the lake on the open patio. This home is nestled in the Laurel Marsh area of the Laurel Island Plantation golf community, which includes an 18-hole course designed by Davis Love III. Community amenities encompass a pool, playground, and tennis courts. Conveniently located less than 5 miles from Kings Bay Naval Base and approximately 30 minutes from Jacksonville.
Source: GAMLS #10365708
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10365708
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
MLS ID: #10365708
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.