461 Frost Pine Cir, Jasper, GA 30143
4 beds · 3 baths · 2,814 sqft
Welcome to dream living in the mountains! This lovely home in the community of Bent Tree offers something for everyone, and with its seasonal mountain views, level lot, and curb appeal you can’t ask for more! The home has hard floors throughout. It features 4 bedrooms and 3 baths, with soaring two-story ceilings in the living and dining rooms and large windows allowing lots of natural light. The kitchen makes entertaining a breeze and features granite, plenty of cabinet space, a large pantry and breakfast area that lets you enjoy viewing wildlife while preparing for the day. The oversize master bedroom has a perfect seating area and lovely features including a double trey as well as a vaulted ceiling. Two additional bedrooms and the laundry area round out the main living space. The mostly finished basement provides another primary suite-sized bedroom with a huge walk-in closet, living area, and full bath-plus 4 extra rooms to use as you choose. Lots of potential, make it your own! Ample storage and an automatic generator make this property even more appealing, as well as the almost new 2023 ClubCar golf cart that can be purchased as well. Bent Tree's community amenities include a manned gate with 24/7 security, a 110-acre private lake for fishing and kayaking, an 18-hole Joe Lee golf course, and five tennis courts that include two indoor courts and pickleball courts. There are both adult and family pools, and a dog park. Bent Tree also has a bocce ball court, a basketball court, a horseshoe court, a playground, and a huge covered pavilion. There are outdoor cooking/picnic areas, hiking trails, a clubhouse and a restaurant. The community is also an equestrian neighborhood- a rare find in North Georgia with stables that offer riding and boarding, pastures, and riding rings. Come check this one out today, the possibilities are endless! **Owner is the listing agent of this property.
Source: FMLS #7460097
Source: FMLS #7460097
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: #7460097
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