104 Gardenia Dr, Warner Robins, GA 31088
4 beds · 3 baths · 3,034 sqft sqft
PRICED WELL BELOW APPRAISED VALUE!!! REDUCED AGAIN!!! BRING ALL REASONABLE OFFERS! STUNNING ONE OWNER HOME IN THE WEATHERBY! MOTIVATED SELLER! 4 bedroom, 3 and 1/2 baths on approximately 1/2 acre lot. Custom bonus room upstairs complete with bath and walk in closet is the 4th bedroom. Upstairs bath has a large custom all natural stone tile shower with bench, rainmaker showerhead, and seamless rubbed oil bronze and glass shower doors. Living room has dual sided gas fireplace between great room and sunroom. Kitchen with granite countertops, pantry and custom cabinets. There's a breakfast area with a separate formal dining room. Split floor plan with 2 bedrooms on one side of house connected to a Jack and Jill full bath as well as an office area. A spacious primary suite has dual vanities, jetted tub and separate shower. Upgraded real oak hardwood flooring in main living areas and kitchen; carpet in bedrooms and tile in bathrooms. Lots of upgrades including double tray ceilings, wainscoting, judges paneling, crown molding in every room and custom wood blinds throughout. Privacy fenced back yard with patio and full sprinkler system. Both HVAC units replaced 2018 and still under warranty. County taxes only. Conveniently located near shopping, schools, medical facilities, a movie theatre, I-75 and RAFB. Call me today for your private showing appointment.
Source: GAMLS #20152054
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #20152054
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: #20152054
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.