4019 Medieval Ct, Valdosta, GA 31605
4 beds · 3 baths · 2,262 sqft
Welcome to your dream home-a stunning, like-new retreat built in 2021 that radiates luxury, comfort & style! This 4-bedroom, 3-full-bath masterpiece has been crafted w/ top-notch finishes & thoughtful design to provide a living experience that truly stands out. The inviting family room takes your breath away with its soaring vaulted ceilings, an elegant stained beam & stylish shiplap wall, setting the perfect ambiance for relaxing or entertaining. The heart of the home, a gourmet kitchen, is every chef's fantasy come true. Outfitted with gleaming granite countertops, premium stainless steel appliances, crisp white cabinetry, spacious gray island, walk-in pantry, & chic stainless farmhouse sink, this kitchen is as beautiful as it is functional. It seamlessly connects to the family room, allowing for easy flow & conversation while cooking & entertaining. The master suite is nothing short of a sanctuary. Complete w/ vaulted ceilings, rustic beam, fireplace, shiplap wall accents, & charming barn door, this suite exudes warmth & sophistication. The en-suite bathroom is designed for ultimate relaxation, offering split vanities, luxurious soaking tub, and expansive, tiled shower w/ dual showerheads & rainmaker for a spa-like experience. With 3 additional bedrooms & 2 full baths located on the opposite side of the home, you'll enjoy both space & privacy. Outside, the curb appeal is simply unmatched. The clean, modern white exterior w/ stained wood shutters evokes a classic farmhouse vibe that is both fresh & timeless. The inviting front porch beckons you to sit back, unwind, or chat w/ the friendly neighbors, while the side-entry garage keeps the front of the home unobstructed. Perfect for outdoor living, this home features a fully fenced private backyard, covered back porch, concrete pad ideal for grilling, convenient garage sink, & handy storage shed. You'll enjoy amazing amenities including 2 pools, a playground, & close proximity to Moody Air Force Base, South Georgia Medical Center, Valdosta State University, Downtown Valdosta, Valdosta Mall, Restaurants, I-75 for easy travel and much. much more. The photos are great but still don't do this beauty justice. Come see this great home in person. Call your favorite Realtor today!
Source: GAMLS #10427461
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Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
Source: GAMLS #10427461
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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 “Save search” 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 620, 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.