103 Evergreen Ridge Ct, Statham, GA 30666
4 beds · 2 baths · 2,612 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Evergreen Ridge- Welcome home to Stathams coveted single-street community featuring gracious craftsman homes on sprawling lots! Upon approach, youll be warmly greeted by the covered front porch, accentuated with mulched garden beds. Mint condition and move-in ready, this expansive single-level home offers easy, comfortable living with durable luxury vinyl plank floors, lofty vaulted ceilings, decorative light fixtures, ceiling fans and double-paned windows, allowing the perfect amount of natural light and enhancing the open floor plan. Upon entering the foyer, youll find yourself pausing to take in the expansive great room with masonry fireplace flanked by windows providing views of the expansive rear backyard. A true entertainers dream, the host can effortlessly regale their guests while working their magic in the well-appointed kitchen. A standout gem, the sparkling kitchen offers plenty of space, an abundance of custom white cabinets accented with subway tile backsplash, granite counters that cascade to the breakfast bar island, a complete stainless appliance package and oversized pantry with shelving system no detail has been missed. The kitchen graciously lends space to the sunlit dining area, also perfect for a keeping room if you prefer. The mudroom off the kitchen opens into a generously sized two car garage, a spacious laundry room and a half bath. Comprised of a split-bedroom configuration, the owners suite is located in the East wing of the home, with three accessory bedrooms and full bath tucked away off the great room on the other side of the house. This owners retreat is upgraded with amenities such as a double-tray ceiling, space for large furniture, LVP floors, ceiling-fan light fixture to keep you cool on those summer nights and an ensuite full bath. Providing ample space, the primary lavatory boasts separate vanities upgraded with granite counters, a large shower with seating, private water closet and is complete with a spacious walk-in closet. The well-planned designed home boasts a bathroom, an additional oversized bedroom flanking the opposite side of the home, as well as two additional bedrooms that provide options for a home office, hobby space or even a playroom. Spring is in full bloom and its time to break out the patio furniture and BBQ and enjoy outdoor living on the covered rear patio. Its your own private oasis featuring TV connections and overlooking the sprawling, privacy-fenced rear yard. All of these dynamic appointments are perfectly enveloped on a .59-acre lot, adorned with manicured lawns adding to its curb appeal. Among the key features, this propertys central location provides convenience to Watkinsville, Athens, the Caterpillar plant and Hwy. 78. Spectacular condition, desirable upgrades, great location, 103 Evergreen Ridge Court awaits!
Source: GAMLS #10499096
All values shown are estimated costs / mo.
Source: Public records
Source: GAMLS #10499096
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.