107 Timber Ridge Dr, Cartersville, GA 30121
3 beds · 2 baths · 1,632 sqft
Welcome to 107 Timber Ridge Drive, a beautifully maintained townhome offering comfort, space, and a serene atmosphere in one of Cartersville’s most sought-after neighborhoods. Situated in a peaceful, tree-lined community, this charming 3 bedroom, 2 bathroom residence provides a perfect balance of spacious living and cozy intimacy. Step inside to discover an open-concept living space boasting soaring ceilings, abundant natural light, and stylish flooring. The living room offers plenty of space for relaxation and gatherings, with a warm, welcoming atmosphere that invites you to unwind after a long day. The chef-inspired kitchen is complete with modern appliances, plenty of counter space, beautiful backsplash, and an ideal layout for meal prep and entertaining. Enjoy your breakfast in the open dining area overlooking the living room, which provides a relaxing environment. Upstairs, you'll find the master suite, which promptly serves as a comfortable area to wind down after a long day, featuring a spacious layout, a large walk-in closet, and an en-suite bathroom with a soaking tub shower combo. The additional upstairs bedroom is generously sized, offering comfort and privacy for family, guests, or a home office. When you head downstairs, there is another bedroom and an unfinished room ready for your imagination to take over and make another possible bedroom, a man cave, or an office area; the possibilities are endless! Step outside your back door to your private patio, where you can enjoy morning coffee or evening cocktails surrounded by nature. The deck overlooks your quaint backyard, where you will see the beauty of the wood line. If you are looking to live less than 5 minutes from downtown Cartersville, this is the home for you. You also have quick access to a variety of restaurants, shops, and entertainment options. Plus, easy access to I-75, so commuting to nearby cities is a breeze. This beautiful home offers the ideal combination of functionality and style, making it perfect for families, young professionals, or anyone looking to embrace the peaceful lifestyle that Cartersville offers. Whether you’re enjoying the spacious interior, relaxing on the patio, or exploring the vibrant local community, 107 Timber Ridge Drive is a place you’ll love to call home.Don’t miss your chance to make this your new home—schedule a showing today!
Source: FMLS #7539362
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Why Roam
Lower rates and lower down payments
The only homebuying option for you to put 5% down and get a 5% rate.
Closing guarantee
We can close in 45 days or we’ll pay the seller’s mortgage until we close.
Offer acceptance
95% of offers accepted when made with Roam. 5% accepted without.
Rates and payments are estimates based on public records.
Source: Public records
Source: FMLS #7539362
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.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.