276 Harbour Shores Dr, Jackson, GA 30233
5 beds · 4 baths · 5,713 sqft
**SHORT SALE - SEND APPROVAL LETTER TO LISTING AGENT FOR ACCESS** The Bell Realty Team brings you this must see beauty in Harbour Shores, a High Falls Lake community! This home boasts 5713 sf with a 2.63 acre private lot. The back yard is perfect for your future pool! It has granite throughout with hardwoods, tile and carpet flooring. There are three bedrooms and two full baths on the main floor, separate dining area that leads into the LARGE living room. The BEAUTIFUL kitchen is equipped with stainless steel appliances, white cabinets and a large island with seating! Don't forget to check out that Farmhouse Mud Room! All three bedrooms on the main floor have trey ceilings and upgraded trim. Upstairs there is a very large Den/Family room, a large bedroom/bonus with high ceilings and a full bath. All (3) HVAC units are newer. Hot water heater is six years old and the roof is @10 years old. Downstairs in the finished basement you'll find an in-law suite, media room/office and man cave! There is no shortage of closets in this house, I think I counted 10 closets for all your storage needs! This is one of those must see homes! HOA is $150 a year which includes private lake access for residents only. Home is vacant and move in ready! (The property backs up to Oscar Rd which has an access gate on the back of the property. Roof, Septic, Termite and HVAC inspections/services have been completed)
Source: GAMLS #10315103
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10315103
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: #10315103
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.