128 Garrison Dr, Dallas, GA 30157
3 beds · 2 baths · 1,866 sqft
Step into your new oasis in the heart of Garrison Ridge! This exquisitely updated home, located on a quiet cul-de-sac, exudes warmth and charm. The inviting kitchen features a spacious eating area, perfect for family meals, while the separate dining room offers flexibility as an office or den. Enjoy the wonderful community amenities just a short stroll away, including a serene, stocked pond, a charming gazebo, and a BBQ area for summer cookouts. Outdoor lovers will delight in the proximity to Picketts Mill Battlefield State Park, a beautiful escape for walking, hiking, and recreational activities. With essential shopping just moments away at Kroger, Publix, Walgreens, Ace Hardware, and Walmart, convenience is at your fingertips. Don't let this incredible opportunity slip away - schedule your visit today! ASSUMABLE VA LOAN! The kitchen and dining area have been upgraded with new granite countertops, a stainless steel sink, a new faucet, stainless steel appliances, and recessed lighting. Home has been freshly painted inside and out. $8,000 solid mahogany and leaded glass front entry system. New LVP floors throughout. New carpet in the bedrooms. New granite countertops and sink in downstairs bath and primary bath. New ceiling fans in the dining room and secondary bedrooms. New light fixtures in the upstairs bathrooms. All new toilets. The roof was replaced within the last 2 years. HVAC was replaced approximately 4 years ago.
Source: GAMLS #10390452
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10390452
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: #10390452
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.