71 Sadler Cove Dr, Woodbine, GA 31569
4 beds · 2 baths · 2,409 sqft
Southern comfort living in this beautiful 4-bedroom 2.5 bath with 3-year-old roof and hot water heater HVAC system replaced in 2016. This home is located on a .50 corner lot. Large oaks and flower beds with many perennials for year-round blooms to enjoy from your front porch side patio or private back yard. Inside you will find a formal living and dining room, great room with fireplace that opens to the kitchen, Kitchen has sold surface countertops, stainless steel appliances with a double oven glass top 5 burner range and over the range vented microwave, side by side refrigerator are all under 4 years old. New Bosche dishwasher. Pantry with washer dry hook up currently set up for stackable can be changed easily to side by side. Split bedroom plan primary bedroom has double closets and French doors opening to the screen enclosure with Endless Swim pool/spa combination with a primary bath boasting double vanities and a nice tub shower combination. The guest bedrooms have a full bath and a large additional walk-in closet in the hall for additional storage. The 4th bedroom opens to its own patio overlooking the large side corner lot. The sun-room opens on one side to the open patio and the other opens to the screen pool area. An additional parking pad is on the left side of the home with a double gate to the back yard ready for your boat or RV. Crooked River Public boat ramp within minutes along with I95. 12 miles to Kings Bay Naval Base, minutes to Mamie Lou Gross Elementary School and Camden County High School. Exterior pictures are from fall of 2024 Landscaper is going out to trim bushes from winter growth March 8-18th.
Source: GAMLS #10474451
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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
Source: GAMLS #10474451
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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 “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.
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 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.
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