143 Millers Branch Dr, Saint Marys, GA 31558
3 beds · 2 baths · 2,275 sqft
Step inside this charming abode that will make you want to come home every day! This STUNNING custom Parr Construction home is not an easy one to leave behind. Beautiful wood-like tile floors throughout, molding, wainscoting, high ceilings, picture windows- it's a dream! Beautiful paver driveway, porches and walkways! Metal roof! Dining Room, living room with fireplace and step tray ceiling! Chef's delight cooking in this kitchen with stainless steel appliances including wine cooler and gas range/oven! Soft close cabinets and picture window looking out into the back yard with view of picturesque pond! Wrought iron gate and established landscape is a gardeners paradise! Quartz countertops in kitchen and bathrooms! Indoor laundry room with custom cabinets! 8 foot doors throughout the home exudes luxury. Primary bathroom with massive walk in closet and custom built ins. Pebble floor shower with a seat. Double vanity with a separate water closet. Enter the additional 2 bedrooms with some custom niches and wonderful closet space. Covered lanai with screen enclosure. Firepit with matching pavers too! Inside the garage you will find convenient door to the side yard and smaller golf cart garage attached! Mini split located in here would make a great space for a workout room or a play area for children! Expandable attic with stair case in garage means EASY STORAGE ACCESS! Opportunity to expand in the future! Smaller attic door leads to attic above the home that has ample storage that is climate controlled as the home is spray foamed insulated! Don't hesitate to come see this beautiful piece of paradise found in Osprey Cove. Exclusive golf course community with social memberships available for fitness, dining, tennis and swimming. Located 20 minutes from JAX airport, 10 minutes to Kings Bay Naval Base-
Source: GAMLS #10390300
Source: GAMLS #10390300
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: #10390300
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.