5404 EVERLOOK CIR, Evans, GA 30809
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!
You may be able to put down less than the total down payment amount of $148,727 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #10342953