1305 Mosgrove Ln, Hampton, GA 30228
4 beds · 3 baths · 271 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Exquisite 4-Bedroom, 3-Bathroom Modern Brick Home Step into this stunning, nearly new 4-bedroom, 3-bathroom modern brick home, where sophisticated design meets everyday comfort. Built just a few years ago, this home offers cutting-edge smart home features, spacious interiors, and exceptional upgrades throughout. It's truly a perfect blend of style, functionality, and luxury. Features: Smart Home Technology: Effortlessly control your home with state-of-the-art smart home features, allowing you to manage lighting, security, and more with just a touch, making everyday living more convenient and efficient. Bright, Open Interior: With tall ceilings and stunning hardwood floors, the home feels open and airy. The open-concept floor plan flows seamlessly from one space to the next, creating a welcoming environment for both family living and entertaining. Private Bedroom and Full Bathroom: A separate floor features a private bedroom and full bathroom, providing the ideal space for guests or family members who desire privacy and comfort. Chef’s Dream Kitchen: The kitchen is a showstopper, with sleek stainless steel appliances, including a double oven, making it perfect for cooking meals or hosting friends and family. Ample counter and storage space make it as functional as it is beautiful. Luxurious Master Suite: The expansive master bedroom is your personal retreat, offering ample space, a spacious walk-in closet, and a spa-like ensuite bathroom that promises ultimate relaxation and comfort. Outdoor Living at Its Best: The large, covered patio is an entertainer’s dream, ideal for gatherings or simply unwinding in your private oasis. The expansive backyard offers plenty of room for activities, while the shed adds convenient extra storage. Dusk-to-Dawn Exterior Lighting: The home’s exterior features automatic dusk-to-dawn lighting, providing a soft, welcoming glow that enhances its curb appeal and adds a touch of elegance, day or night. This home offers the perfect combination of luxury, convenience, and modern design. Don’t miss out on the opportunity to own this extraordinary home—schedule a tour today and experience everything it has to offer!
Source: FMLS #7551162
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: FMLS #7551162
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 of Equal Opportunity Act.