41 Oak Hill Ct, Fortson, GA 31808
4 beds · 3 baths · 3,029 sqft sqft
A Hughston Homes Community. Welcome to our Oakwood B Floorplan. Sought after Floorplan with 3029 SF of Living Space. Nestled on 2.08 Acres in Harris County. Formal Dining Room, Spacious Great Room, Huge Gourmet Kitchen, Breakfast Area, Media Room, Owner's Suite on the Main Level, 3 Bedrooms Upstairs, 3.5 Baths, 2 Car Garage and Our Signature Gameday Patio perfect for Outdoor Entertaining. ***Ask about or Included Home Automation***Absolutely Stunning Inside & Out! Bright 2 Story Foyer, Formal Dining Room w/ Tons of Detail. Generously Sized Great Room w/ Wood Burning Fireplace. Open Concept featuring Chef's Gourmet Kitchen w/ Stylish Cabinetry, Granite Countertops, Tiled Backsplash, & Stainless Appliances. Large Kitchen Island open to Breakfast Area. Owner's Suite on the Main Level with Trey Ceilings & Tons of Natural Light. Owner's Bath w/ Garden Tub, Tiled Shower & Huge Walk-in Closet. Owner's Entry Boasts our Signature Drop Zone, the Perfect Family Catch all. Half Bath Conveniently Located for Guests. Exploring the Upstairs, you will find Media Room creating the Perfect 2nd Living Space. Additional Bedrooms are Spacious w/ Ample Closets. 2 Full Baths Upstairs makes Family Living Easy. Enjoy Hardwood Flooring throughout Living Spaces on Main Level & Tons of Hughston Homes Included Features. Our Signature Gameday Patio with Wood Burning Fireplace is the Perfect Space for Fall Football.
Source: GAMLS #10322596
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10322596
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: #10322596
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.