5404 Everlook Cir, Evans, GA 30809
4 beds · 3 baths · 2,892 sqft
Don't miss this opportunity! - Assumable mortgage at a remarkable low rate of 2.7% available for VA buyers. Discover this charming 4-bedroom, 3.5-bathroom home highly sought after in the Crawford Creek community within Columbia County School District. The property features great curb appeal, a sprinkler system, and concrete lawn curbing, all complementing its corner lot appeal. A striking bay window floods the interior with natural light, setting the tone for a welcoming atmosphere. Inside, a two-story foyer, crown molding, wainscoting create an inviting ambiance. Architectural details abound in the open-concept living areas, highlighted by archways, coffered ceilings, and a cozy wood-burning fireplace. A convenient dry bar enhances the great room, perfect for entertaining. The spacious kitchen boasts stained cabinets with crown molding, granite countertops, a center island, and stainless steel appliances including a gas cooktop range and built-in microwave. A walk-in pantry provides ample storage. The primary room on the main level features a trey ceiling, bay window, and an ensuite bathroom with separate bath and shower, linen closet, water closet, double vanities, and a custom walk-in closet. Upstairs, the second bedroom enjoys its own private bathroom, while the third and fourth bedrooms share a Jack and Jill bathroom. A versatile loft offers space for a home office or recreational area, complemented by plentiful closet and storage space throughout. Outside, relax or entertain in the fully fenced backyard with a covered patio. The neighborhood offers proximity to Fort Eisenhower Military Base, great county schools, shopping, dining, and medical facilities. Residents enjoy an array of community amenities such as two swimming pools, clubhouse, tennis and basketball courts, playgrounds, pavilion with fire pit, walking trails, and sidewalks. Don't miss out on this exceptional opportunity - schedule your showing today! Motivated Seller!
Source: GAMLS #10342953
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10342953
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: #10342953
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.