10355 Oxford Mill Cir, Alpharetta, GA 30022
5 beds · 6 baths · 5,970 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Reduced $55,000 for quick sale! Welcome to this sophisticated and meticulously maintained residence, an exquisite testament to both elegance and comfort, perfectly suited for contemporary living. As you step through the stately entrance, you are greeted by an awe-inspiring foyer that sets the tone for this splendid home. The expansive living area is flooded with natural light, courtesy of ample windows that frame picturesque views of the surrounding landscape. The thoughtfully designed floor plan ensures a seamless flow between spaces, ideal for both entertaining guests and enjoying intimate family gatherings. The heart of this splendid abode is undoubtedly the gourmet kitchen, which boasts high-end appliances, custom cabinetry, and generous counter space that invites the culinary enthusiast to create exceptional meals. The inviting breakfast nook provides the perfect spot to indulge in your morning coffee while soaking in the tranquil ambiance. Transitioning to the dining area, one can envision hosting memorable dinner parties under the warm glow of elegantly designed lighting fixtures, while the adjoining office or formal living room offers a cozy yet sophisticated space to complete your work or have a private space for entertainment on the main floor. The tasteful architectural details throughout, from the two story stack-stone fireplace in the family room, to the crown molding to the defined baseboards, enhance the overall aesthetic of the home, reflecting an admirable attention to detail. One cannot overlook the serene outdoor living spaces, where meticulously landscaped gardens serve as an enchanting backdrop for alfresco dining or leisurely afternoons spent in quiet contemplation. A charming patio is ideal for hosting summer barbecues or enjoying quiet evenings under the stars, making this outdoor area an extension of your living space. The private quarters on the upper floor of this home include four well-appointed bedrooms, each designed with relaxation in mind with direct access to private en-suite's. The master suite stands out as a tranquil retreat, complete with a sitting room and luxurious en-suite bathroom which features a spa-like ambiance, complete with modern fixtures that encourage a sense of indulgence with an added fireplace and television, making this a perfect way to wake up and start your day or whine down your evening. Professionally designed closet systems installed in both walk-in closets which adds easy organization and style! The additional main floor bedroom offers ample space and comfort, making it ideal for family members or guests. This remarkable residence is equipped with modern conveniences and thoughtful amenities, ensuring both comfort and practicality for everyday living. With its combination of beauty, functionality, and style, this home is not just a place to live but a sanctuary where cherished memories are waiting to be made. Whether you are hosting festive gatherings or enjoying quiet moments with loved ones, this exceptional dwelling stands ready to accommodate a lifestyle of extraordinary grace and warmth.
Source: FMLS #7558657
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: FMLS #7558657
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 of Equal Opportunity Act.