279 Bella Vista Trl, Jasper, GA 30143
5 beds · 4 baths · 3,598 sqft
Welcome home to your beautiful mountain getaway in the sought-after community of Bent Tree in Jasper, GA! This charming home offers a spacious interior with tons of natural light, and has been newly remodeled throughout. With 5 bedrooms and 3.5 baths, spanning 3598 sq. ft. you will not run out of space! The main floor boasts of the master bedroom and bath, along with an over-sized family room, fireplace, kitchen, dining area, walk-in laundry room, and a sunroom that leads out to the back deck that overlooks the private, fenced in back yard. Upstairs you will find 2 nice sized bedrooms and a full bath, along with storage areas. The fully functional terrace level can be accessed from inside or outside the home, and includes 2 large bedrooms and 1.5 baths, along with a kitchen, living room, and wood burning fireplace. This makes for a perfect in-law suite, teenage hangout, guest quarters, or rental income. An abundance of additional storage area is also provided in this space. A propane back up generator powers the whole home in winter & part of the home in the summer, adding to the functionality of the property. Enjoy the peace and tranquility of this .46 acre lot as you watch the deer play from the front porch. Conveniently located minutes to the main gate, swimming pool, Lake Tamarack, the 19th Hole Restaurant. Bent Tree encompasses 3500 acres and features 24/7 security, a 110-Acre private, stocked lake perfect for fishing and kayaking, an 18-Hole Joe Lee designed golf course, five tennis courts (two inside for year round play), a pickle ball court, two pools, a beach area, hiking trails, water falls, its own fire department and water system, a dog park, bocce ball court, basketball court, horseshoe court, playground, boat storage, boat launch area, clubhouse, restaurant, waterfalls and hiking trails. Bent Tree is also one of the only equestrian neighborhoods in North Georgia complete with stables, pastures, and riding rings. Don't miss out on all this home and mountain community has to offer!
Source: FMLS #7474961
Financials
Source: Public records
Source: FMLS #7474961
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.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.