2459 TOMOKA DR, Bethlehem, GA 30620
Welcome to your dream home in the highly sought-after Berry Springs neighborhood of Bethlehem, Georgia! This stunning 5-bedroom, 4-bathroom residence offers over 3500 square feet of luxurious living space, meticulously maintained and designed for both comfort and style. Unlike many homes, this property includes a separate office and dining space, ensuring all five bedrooms are available for your family or guests. Enjoy the flexibility and functionality that this unique layout provides. The spacious master bedroom includes a cozy sitting area, perfect for relaxation or a quiet reading nook. At the heart of this home is its chef-inspired gourmet kitchen, featuring white quartz countertops, double ovens, a gas cooktop and ample cabinet space. Perfect for hosting gatherings or preparing family meals with ease. Not only that, the hardwood floors on the bottom level add a touch of elegance and are easy to maintain, making daily living both practical and stylish. With its open-concept design that connects the living room, dining area, and kitchen seamlessly, this home provides a warm and inviting space for entertaining or relaxing. Step outside to your spacious and clean backyard, complete with a covered patio—ideal for summer BBQs, outdoor dining, or simply enjoying a quiet evening. Located in a swim and tennis community, you’ll have access to fantastic amenities, including a pool and tennis courts. The annual HOA fee of $650 ensures these facilities are well-maintained and ready for your enjoyment. If you’re looking for an investment opportunity, this home is situated less than 6 minutes from the new Rowen Project and less than 10mins from convenient shopping options like Target and Publix, this home offers both tranquility and convenience. Built in 2021, this home combines modern features with a thoughtful design, making it perfect for families seeking a balance of luxury and practicality. Don’t miss the opportunity to make this exceptional property your new home. OWNER IS AGENT
You may be able to put down less than the total down payment amount of $152,129 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #7396678