10 Howe Cir, Hoschton, GA 30548
4 beds · 3 baths · 2,516 sqft sqft
Offering the perfect location on a CORNER LOT facing the beautiful community green space in sought after Brighton Park, this two-story craftsman is ready for you to call it HOME! The cute front porch welcomes you in where you are greeted by neutral paint, attractive wainscotting and crown molding along with easy to maintain LVP flooring throughout the entire main living areas. Move in just in time to enjoy the formal dining room during the holiday season and entertain your guests in the spacious family room & kitchen open floor plan. Featuring designer coffered ceilings, a cozy fireplace and tons of natural light, this area will definitely become the "heart" of the home. The large kitchen island is great for casual meals and food prep. Bright white kitchen cabinets, stainless appliances, spacious pantry and the breakfast room make the kitchen an easy place to whip up your favorite dishes. Themain floor bedroom and bath provide a convenient and relaxing area for your guests. The mudroom off the garage area is a great place to drop your bags, shoes and mail when you come home. As you head upstairs the loft area makes a great movie, play or craft area. The Owner's suite boasts a gorgeous and relaxing en suite bathroom with spacious glass shower, huge soaking tub and double vanity. Two additional guest rooms feature designer decor touches and share a convenient Jack-n-Jill bathroom. The upstairs laundry room is a convenient touch. The backyard game-day covered patio is the PERFECT spot to enjoy a good drink by the fireplace and just unwind on the weekends! Brighton Park offers a playground, pool and a convenient drive to all area amenities.
Source: GAMLS #10400441
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10400441
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: #10400441
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.