93 Highland Shoals Ct, Hartwell, GA 30643
6 beds · 3 baths · 3,692 sqft
Get a free consultation call with an expert in the mortgage assumption process.
This beautiful home is ideal for outdoor enthusiasts. With convenient access to local boat launches, state parks, fishing, boating, camping, biking, hiking trails, and the Hartwell Botanical Gardens, adventure is right at your doorstep. Situated on a quiet cul-de-sac street, this spacious primary-on-main home offers over 3,600 finished square feet of living space. Step inside to a welcoming great room featuring a cozy fireplace, elegant crown molding, and hardwood floors. The expansive eat-in kitchen boasts stainless steel appliances and a tile floor, opening up to a versatile flex room that can serve as a dining area, office, playroom, or sunroom. Adjacent to the flex room, a delightful three-season screened-in porch awaits-perfect for morning coffee, evening relaxation, or even a private retreat area for your pets. The main level also includes a large owner's suite, complete with crown molding and a ceiling fan for added comfort. The en-suite bath offers a jet tub, dual vanities, and a walk-in shower, creating a serene retreat after a long day. A convenient half bath for guests and a laundry area completes the main level. Upstairs, you'll find two additional bedrooms, a full bath, and an additional, large room that could be used as an extra bedroom, providing ample space for family or guests. The recently finished terrace level adds even more flexibility, featuring a bedroom, full bath, and a flex room that could be used as a home office, library, homeschool classroom, craft room, music room, or whatever suits your needs, along with a large room, complete with its own closet, that could be used as additional living space or extra storage space. Step outside to your private oasis: a newer, inground, heated, saltwater swimming pool, perfect for year-round enjoyment if you're up for a dip in cooler temperatures! The pool is equipped with a motorized cover, making it easy to keep clean and protected from leaves and debris. This beautiful property spans 1.33 acres with a fenced backyard and plenty of room to park your boat or other toys on the property. Don't miss this opportunity to call this tranquil sanctuary your own. Call us today to schedule a viewing.
Source: GAMLS #10508710
Learn about how it works
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
All values shown are estimated costs / mo.
Source: Public records
Source: GAMLS #10508710
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.
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.
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.
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.
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.
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.
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.