355 Morning Dr, Athens, GA 30606
3 beds · 3 baths · 1,692 sqft sqft
Beautiful 3-bedrooms, 2.5-bath home, Built in 2019. Open Concept, kitchen boasting attractive Dark wood cabinets and granite countertops, cozy breakfast area, and energy-efficient appliances, Garage was set up as a Family/Friends entertainment area. Upstairs, you'll find a luxurious master suite featuring a private bath and a large walk in closet, The additional two bedrooms are generously sized and share a well-appointed full bathroom, making this home ideal for families or those who love to host visitors. The laundry is upstairs very convenient near the rooms. Enjoy outdoor gatherings in the fenced-in backyard that provides ample space for outdoor activities with family and Friends gardening, with a Wood Pergola, playground, storage shed, complete with a recent concrete patio addition, or simply enjoying the beautiful Georgia weather. Situated in a quiet neighborhood with added amenities, this home offers Very nice details and delicate finishes, Conveniently located minutes from Shopping and restaurants right off Atlanta Hwy, This prime location is just a short drive from the University of Georgia, UGA Stadium, Georgia theater, Jening Mills corner country club, North Oconee River Greenway and Athens Botanical Garden and just off Hwy 78. lot The property is located in a friendly and well-maintained neighborhood, offering a sense of community and peace of mind. Don't miss your chance to own this exceptional property in Athens, GA. Schedule a showing today!
Source: GAMLS #10384795
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10384795
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: #10384795
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.