651 Harbour Shores Dr, Jackson, GA 30233
6 beds · 4 baths · 6,501 sqft
ASSUMABLE MORTGAGE * VA * 2.75% * WOW !!!!!! Welcome to 651 Harbour Shores Drive! This magnificent 4-sided brick home is a sight to behold, situated on a sprawling 1.6-acre lake lot that offers stunning views and magical sunsets with plenty of outdoor space to entertain. The in-ground pool makes this home a true oasis coupled with a private dock and boat lift. The main floor of this home features both formal living and dining rooms with beautiful hardwood floors, an open kitchen with custom cabinetry, Corian countertops, stainless steel appliances, and an oversized breakfast area. The formal living room is perfect for cozying up by the gas fireplace and relaxing with loved ones. The owner's suite is a nice retreat, complete with an en-suite bathroom that boasts a soaking tub, dual vanities, and a walk-in shower. The spacious family room and owner's suite both have direct access to the sun porch, which is perfect for enjoying the breathtaking views of the lake. The main floor also features a Jack & Jill setup, a 1/2 bath, and a laundry room with a wash sink and additional deck perfect for dinners on a nice evening! Rear stairs lead to a fabulous suite that's perfect for teens or guests, offering plenty of space and privacy with a full bathroom. The terrace level of this home is an entertainer's dream, featuring an open and airy living space perfect for a man cave, game room, and lounge. The terrace level also includes two additional bedrooms and one bathroom, as well as a second kitchen and living room with a gas fireplace, a weight room, and storage areas. You'll love the full daylight and direct access to the pool, making it the perfect space for indoor-outdoor living. The roof and gutters were replaced in 2023, and the house has natural gas and high-speed fiber internet. Additional community amenities include a picnic/pavilion area and a paved boat ramp, both with stationary docks. High Falls Lake offers boating, kayaking, paddle boarding, fishing, and other activities. This home is in a super convenient location with easy access to I-75 and is not far from downtown Jackson, Milner, Locust Grove, or Forsyth. This home is truly a dream come true, so don't wait any longer to make it yours. (pictures are from Spring 2024)
Source: GAMLS #10359341
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10359341
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: #10359341
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.