114 Rindle Trce, Saint Marys, GA 31558
4 beds · 3 baths · 3,600 sqft
Seller is Offering $6,000 towards Buyer's Closing Costs with an Acceptable Offer and for Buyer's Peace of Mind a 1 year 2-10 Home Warranty!!! Welcome to Winding River in St. Mary's! This palatial 2022 home on the pond offers 2408 sqft with 4 bedrooms, 3 bathrooms, a screened in patio and 2 car garage. You will find luxury vinyl plank floors and crown moulding throughout the home. The kitchen is adorned with stainless steel appliances, a substantial quartz kitchen island, ample counter and cabinet space, a breakfast area and a spacious pantry. The primary bedroom is illuminated by the natural light beaming through the windows with a view of the pond and it provides an en suite with dual vanity, tiled shower, soaking tub and a walk in closet. There are 2 other bedrooms, a full guest bathroom and another bedroom with an en suite providing single vanity and tiled shower. The 2 car garage has an extra space for storage and an auto garage door opener. Sit out front on your covered porch or step out back and sit on your screened in patio to enjoy SE Georgia's atmosphere.
Source: GAMLS #10408582
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10408582
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: #10408582
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.