505 Saint Marlo Dr, Centerville, GA 31028
4 beds · 3 baths · 2,422 sqft
Welcome to this stunning full-brick, 4-bedroom, 2-bathroom home located in the highly sought-after Eagle Springs community! Offering an array of modern features and updates, this property is ready for its next owner to move in and enjoy. As you step inside, you'll immediately notice the spacious and functional layout designed with both comfort and convenience in mind. In addition to the generously sized bedrooms, this home includes a dedicated office or study, ideal for remote work, school, or creative pursuits. The kitchen is a chef's dream, featuring durable tile countertops, sleek stainless steel appliances, ample cabinetry for storage, and a layout that makes meal prep a breeze. The open floor plan creates a seamless flow between the kitchen, dining, and living areas, making this home perfect for both everyday living and entertaining guests. Step outside to your private backyard oasis! The privacy-fenced yard includes a beautiful arbor with a covered patio-ideal for grilling, relaxing, or enjoying the outdoors year-round. The full-yard sprinkler system ensures that your lawn stays lush and green with minimal effort. Living in Eagle Springs offers a lifestyle of comfort and convenience with exceptional community amenities. Residents enjoy access to a sparkling pool, a clubhouse for social gatherings, a recreation area, tennis courts, and a gated entry for added peace of mind. There's even a playground for the little ones to enjoy! This seller is offering a $5,000 negotiable credit toward paint and flooring, giving you the flexibility to personalize the space to your liking. Whether you're a first-time buyer, looking to upsize, or relocating, this home checks all the boxes. Located in a vibrant community close to shopping, dining, and top-rated schools, this home is a must-see! Schedule your private tour today and discover why Eagle Springs is one of the most desirable neighborhoods around. Don't miss this opportunity to own a home that offers both modern convenience and timeless charm!
Source: GAMLS #10440184
Source: GAMLS #10440184
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.
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 “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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.