10732 Brent Cir, Duluth, GA 30097
5 beds · 5 baths · 4,452 sqft
Welcome to this stunning 5-bedroom, 4.5-bathroom home, where traditional elegance meets functionality. Situated in the sought after Sugar Mill neighborhood. As you enter, you're greeted by a welcoming two-story foyer that sets the tone for the open concept living space. The spacious living room with a vaulted ceiling and dining room effortlessly accommodate gatherings, seating up to 12 guests. The heart of the home is the large eat-in kitchen, boasting beautiful wood cabinets, classic granite countertops, and a generous island perfect for meal prep and entertaining. Equipped with stainless steel appliances and a big pantry, this kitchen is a chef's dream. Adjacent to the kitchen, the keeping room provides a cozy space to entertain guests or enjoy casual family time. Retreat to the oversized primary suite on the main level, featuring trey ceilings, his and hers closets, and a luxurious ensuite with a double vanity, separate shower, and soaking tub. Conveniently connected to the primary bedroom, a large office space offers a perfect work-from-home environment. Upstairs, youCOll find three well-appointed bedrooms and two full bathrooms, ideal for family or guests. Step outside to the covered back porch, an inviting spot to relax and take in the fresh air. A three-car garage situated off the kitchen adds convenience to daily life. The finished basement is a true bonus, featuring a bedroom, full bathroom, family room, craft area, and wet bar, offering limitless potential for recreation and relaxation. With a walk-out to the back patio and the oversized lot, entertaining outdoors becomes effortless. Meticulously maintained, the roof is approximately 4 years old, hot water heater is 3 years old, dishwasher recently replaced, and HVAC recently serviced. This home combines style, comfort, and practicality, making it the perfect place to create lasting memories.
Source: GAMLS #10406699
Source: GAMLS #10406699
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: #10406699
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.