7671 Watson Cir, Locust Grove, GA 30248
5 beds · 3 baths · 2,628 sqft
The spacious home features 5 bedrooms, 3 full baths, and a 2-car garage located in the beautiful Heron Bay community. The residence seamlessly combines style and functionality. Whether you're working from home in the versatile flex space, entertaining guests around the large kitchen island, or simply unwinding in the sunlit Family Room with patio access, this floorplan is designed to enhance your lifestyle. Upstairs, explore a carefully designed loft illuminated by natural light, creating an ideal area for a variety of activities. Retreat to the expansive Primary Suite, complete with a cozy sitting area and a generously sized walk-in closet, offering both comfort and convenience. Your dream home awaits! Heron Bay offers a comprehensive suite of amenities designed to cater to a wide range of interests and lifestyles. At the heart of this vibrant community is the Lakefront Park, where residents can enjoy scenic views and outdoor activities. For golf enthusiasts, the Heron Bay Golf and Country Club provides a challenging and beautifully maintained course. Families and active residents will appreciate the aquatic center, tennis courts, and nature trails, which offer ample opportunities for leisure and exercise. Additionally, the community boasts a fitness center and children's play areas, ensuring that residents of all ages have access to recreational facilities. Heron Bay's commitment to a high quality of life is further reflected in its planned social events and activities, fostering a strong sense of community among residents. Washer and Dryer included. The carpet will be replaced in one bedroom upstairs. Heron Bay is dedicated to ensuring the beauty, safety, and stability of the area, promoting neighborliness and pride among the residents, and forming a base for representation in matters affecting the community. Please use showing time for appointments, thank you.
Source: GAMLS #10410392
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10410392
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: #10410392
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.