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$344,900

Veribas Valuation $373,000asking 8% belowhow we got this

3 beds · 2.5 baths · 2,100 sqft

5357 Gray Birch Bend 91, Flowery Branch, GA 30542

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© 2026 Veribas Real Estate LLC · (833) 837-4227 · Georgia Broker Lic. H-81905 · Qualifying Broker: Ahsan Charania, GREC #417366. Veribas Real Estate LLC is a licensed Georgia real estate brokerage. We are not a lender or mortgage loan originator; all financing is provided by independent NMLS-licensed lenders, and payment figures on this site are estimates only. Listing information is deemed reliable but not guaranteed and should be independently verified. We are committed to the federal Fair Housing Act and the Equal Credit Opportunity Act.

Offer insights

Choose an offer strength

List price: $344,900

$341K–$344K

70% to 90% chance of a winning offer

Just under asking — competitive when the home is fresh.

Veribas Valuation: $373,000 — asking sits below our value; strong offers here still buy under market.

Balanced-market odds from list price and typical winning offers — your agent tunes this to the street. Ask a Veribas agent before you commit a number.

Home facts

Interior18

CoolingCeiling Fan(s), Central Air, Electric

HeatingCentral, Electric

LaundryUpper Level

BasementNone

Bedrooms3

FeaturesBookcases, Double Vanity, Split Bedroom Plan, Tray Ceiling(s), Walk-In Closet(s)

FlooringCarpet, Other, Tile

Bathrooms2.5

AppliancesDishwasher, Disposal, Electric Water Heater, Microwave

Payment calculator

$2,477/mo

Principal, interest & taxes · $4,258/mo with home insurance and HOA

Principal & interest$2,132

Property taxes$345

Home insurance$101

HOA$1,680

Down payment$34,490 (10%)

Interest rate7.320%

Starts at today’s national average for a 30-year fixed, 7.32% (week of Oct 22). Not an APR or a loan offer. Estimates only — taxes at 1.2%/yr and insurance at 0.35%/yr of price. Get exact terms from a lender via pre-qualification.

Assumable loan?

If the seller has an FHA, VA or USDA mortgage, you may be able to take it over and keep their rate, often far below today’s. This listing doesn’t say. Ask, and a Veribas agent will check the seller’s loan and tell you the rate, the balance and what you’d need down.

Advertised rate

4.99%*

Lender and loan term not stated: ask the builder’s lender

“Builder Incentives include rates as low as 4.99% ONLY with preferred lender Guaranty Mortgage Services (contact them for all rate and program details) Builder also offering $10,000 incentive towards closing costs when using preferred len…”

From the listing remarks, Millard Bowen Realty Group.

*Rates are quoted from the builder's or listing brokerage's own MLS remarks and dated to the listing. They are not an offer of credit from Veribas and are not an APR. Rate, APR, eligibility, down payment and deadlines are set by the lender named and may have changed; ask the lender for current terms. Payments shown include principal, interest and estimated property taxes only; homeowners insurance, mortgage insurance and HOA dues are extra, so the actual payment will be higher.

Down payment assistance

Middle-income census tract 13139001501 · Hall County · FFIEC 2026

Georgia Dream down payment assistance

Up to $10,000 or 5% of the price · Deferred loan (0% — repaid on sale, refinance or payoff)

For down payment. First-time buyers only. 640+ credit score. Ends Dec 31, 2026.

The State of Georgia's program (Georgia DCA), offered through Southeast Mortgage. A 0% second mortgage with no monthly payment covers 5% of the price up to $10,000 (6% up to $12,500 for nurses, educators, public protectors and households with a disabled member); repaid when you sell, refinance or move out. First-time buyers (no home in 3 years; waived in targeted areas and for veterans), household income and price limits by county, 640+ credit, $1,000 of your own money, homebuyer education. Source: dca.georgia.gov and southeastmortgage.com/uga (checked 2026-09-24).

Chenoa Fund down payment assistance

5% of the price · Forgivable loan (forgiven after a set time in the home)

For down payment. 600+ credit score. Ends Dec 31, 2026.