3638 Seedling Ln, Valdosta, GA 31601
4 beds · 2 baths · 2,025 sqft
Under $300,000! Run don't walk! Location, location, location! Just off I-75, a few miles from the city, the Florida line and a few short minutes to all the amenities you could ever want or need. Welcome to your stunning home in Plantation Point, where modern living meets serene seclusion! Nestled in a picturesque cul-de-sac and backing up to a lush tree line, this home offers the perfect blend of convenience and tranquility. The open-concept design seamlessly connects the expansive living area, kitchen, and dining space, creating an inviting atmosphere for both everyday living and entertaining. Privacy is paramount with the thoughtful layout of the four bedrooms and two bathrooms. The primary suite, located at the rear of the home, boasts a luxurious bathroom with a soaking tub, separate shower, dual sink vanity with granite countertops, and a spacious walk-in closet. The three additional bedrooms are situated at the front, with two on one side and the third on the opposite side. The kitchen is a chef's dream, featuring a center island-bar that comfortably seats four, abundant cabinetry, granite countertops, a pantry, and stainless steel appliances. It's the ideal space for cooking, dining, and hosting gatherings with friends and family. The adjacent dining area opens to the porch, where you can enjoy grilling or simply relaxing while taking in the sights and sounds of your treelined backyard. A spacious in home laundry room makes doing laundry easy! The attached two-car garage, sprinkler system and a pull down ladder to the large attic are just a few more of the great features this home has to offer. This secluded Valdosta community is truly breathtaking. Once a working pecan orchard, great care has been taken to preserve as many of the mature trees as possible, enhancing the natural beauty and charm of the neighborhood. Welcome home to Plantation Point, where your dream home awaits. Call now for your showing now! Save your money for new furniture! This location is 100% USDA Loan Eligible!
Source: GAMLS #10346441
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10346441
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: #10346441
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