129 Ashwood Cir # 66, Saint Marys, GA 31558
4 beds · 2 baths · 2,492 sqft
Stunning 4-Bedroom Home Near Kings Bay Naval Base! Welcome to this beautiful 4-bedroom, 2.5-bathroom home, built in 2021, offering modern comforts and a prime location less than 10 minutes from Kings Bay Naval Base. This spacious two-story home is designed for both functionality and style. On the upper level, you'll find all four bedrooms, including a primary suite with double vanities, a large soaking tub, a walk-in closet, and a private water closet. The convenient upstairs laundry room is generously sized, making household chores a breeze. A second full bathroom serves the additional bedrooms. The main level features an open and inviting layout, including a bright dining area, a well-appointed kitchen, and a versatile flex space-perfect for a home office, playroom, or additional living space. A large foyer welcomes you, and the garage entryway provides ample space for storing shoes, keys, and daily essentials. A half bathroom adds extra convenience for guests. Enjoy the serene backyard overlooking the neighborhood pond, offering a peaceful retreat right at home. Located in a desirable community, this home provides easy access to local amenities, shopping, dining, and major roadways. Schedule your showing today and see all this home has to offer!
Source: GAMLS #10468241
Financials
Source: GAMLS #10468241
Source: Public records
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%. 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.
Other resourcesWhat 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.