114 Rock Creek Ln, Canton, GA 30114
6 beds · 6 baths · 6,204 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to this exceptional 6,000+ sq. ft. home, where luxury meets comfort! Thoughtfully designed with an amazing layout, this home offers space for every need or want. Step inside to a grand two-story foyer that flows seamlessly into a formal dining room and a dedicated office featuring a stunning brick accent wall and built-in desk. The gourmet kitchen is a chef’s dream, boasting a massive island, gas cooktop, double ovens, and an open concept that overlooks the inviting family room. Here, you’ll find a wood-burning fireplace, custom-built bookshelves, and beautiful cabinetry. Finished hardwoods throughout the main level add timeless elegance. A main-level bedroom with a full en-suite bath provides convenience, while a small separate office space and a laundry room ensure everyday functionality. Step outside to the covered porch and oversized deck, where you can enjoy a serene, private backyard backing up to protected Corps of Engineers land and offering direct access to the Etowah River. Upstairs, the expansive primary suite is a true retreat, complete with a private sitting area and a sunroom—perfect for a home office with breathtaking views of the woods and river. Gorgeous, updated en suite with a clawfoot tub, separate shower, double vanities as well as an elegant, custom walk in closet, as well as another large walk in closet. The secondary bedrooms are well-appointed, with two sharing a Jack-and-Jill bath, while another features its own private en-suite. A huge bonus room offers the perfect space for a playroom, teen suite, or additional living area. The terrace level is designed for entertaining, featuring a large media and game area—perfect for watching your favorite teams—along with space for ping-pong, billiards, or more. The kitchenette includes a wine cooler, dishwasher, sink, ice maker and ample cabinetry, making it ideal for gatherings or easy conversion into an in-law suite. Built in Bunk Beds provide a fun, inviting space for sleepovers. A spacious bedroom and spa-like full bath with a gorgeous walk-in shower complete the lower level. The backyard is a private oasis with a fenced yard, covered patio, fire pit, and seating area, just a short walk to the Etowah River. Located in a community with top-tier amenities, enjoy access to multiple swimming pools, a clubhouse, walking trails, parks, tennis and pickleball courts, and sidewalks throughout the neighborhood. This incredible home offers the perfect blend of luxury and functionality.
Source: FMLS #7536746
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 #7536746
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.