523 Lillian Way, Jefferson, GA 30549
3 beds · 2 baths · 1,970 sqft
***$5000 Buyer Incentive to use As YOU Wish...Interest Rate Buy down, Closing Cost or Instant Price Reduction! *** Northminster Estates 55+, "Nearly New" all Brick Resale! Skip the hassle of new construction and step into this stunning, move-in-ready home with a flexible floorplan designed for modern living! Nestled on a private lot backing to peaceful pine trees, this home offers space, style, and serenity, all at a fantastic value! Just a few Home Highlights: *Spacious & Inviting! A welcoming foyer leads into a bright, open great room featuring a gorgeous brick hearth fireplace. *Kitchen! Whether you love to cook or just admire a beautiful kitchen.. this one delivers! Expansive counter space, a large breakfast room, stainless appliances, subway tile backsplash and an effortless flow make it the heart of the home. *Flexible Living Spaces! The formal dining room can easily be a second living area, just like the current owner enjoys! Breakfast room is big enough to be Dining Area. Possibilities are endless! *Private Owner's Retreat! Double trey ceiling, a spa-like en-suite with a soaking tub, oversized tiled shower, and a custom closet system in the walk-in closet. *Split Bedroom Layout! Two roomy additional bedrooms and a full bath on the opposite wing for ultimate privacy. The front bedroom is perfect for a home office! *Outdoor Oasis! Unwind on the covered back porch or soak in the hot tub (with its own 220V power) while enjoying the peaceful backyard. *Move-In Ready! No construction noise, no waiting, just mature landscaping, window blinds already installed, all the bells and whistles, and fantastic square footage for the price! Why pay more for brand new when you can have it all right here? Northminster Estates is gated with private lake, dock, fishing, clubhouse and sidewalks. Minutes to downtown Jefferson and close to all amenities. Schedule your private showing today!
Source: GAMLS #10472247
Learn about how it works
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
All values shown are estimated costs / mo.
Source: Public records
Source: GAMLS #10472247
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.
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.
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.
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.
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.
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.