3638 SEEDLING LN, Valdosta, GA 31601
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!
You may be able to put down less than the total down payment amount of $6,794 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: #10346441
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.