107 Nutgall Dr # 415, Saint Marys, GA 31558
3 beds · 2 baths · 2,096 sqft
Dear Future Homeowner, Have you been searching for a home that offers both luxury and comfort? If a beautifully designed, one-level ranch with an office, a three-car garage, and high-end finishes sounds like your dream home, then look no further! Situated on one of the largest corner lots in the neighborhood, this exceptional property provides ample space both inside and out, complete with a fenced backyard, a screened lanai, and numerous upgrades that elevate its charm and functionality. Designed for modern living, the open floor plan seamlessly blends elegance and practicality. The gourmet kitchen boasts quartz countertops, custom cabinetry, stainless steel appliances, and a spacious island-perfect for both entertaining and everyday convenience. The living and dining areas are bathed in natural light, creating a warm and inviting atmosphere. The primary suite serves as a private retreat, featuring a spa-like en-suite bathroom with dual vanities, a walk-in shower, and an expansive closet. A dedicated office space adds versatility, making it ideal for remote work or a cozy study. Beyond its stunning interior, this home is designed with efficiency and sustainability in mind. A private well for irrigation ensures your landscape remains lush and vibrant year-round, while a whole-home water softening system provides superior water quality. And as an added incentive, the seller is including six months of professional gardening services and True-Green lawn care treatments-allowing you to enjoy a beautifully maintained yard without lifting a finger. Nestled in a sought-after neighborhood with easy access to shopping, dining, and top-rated schools, this home offers the perfect balance of elegance, convenience, and thoughtful upgrades. Don't miss this incredible opportunity-schedule your private tour today and step into the home you've been dreaming of!
Source: GAMLS #10467922
Financials
Source: Public records
Source: GAMLS #10467922
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.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.