139 Stargaze Rdg, Canton, GA 30114
3 beds · 3 baths · 2,576 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Amazing upgrades inside and out make this Meticulously Maintained 1-1/2 story, Master-on-Main home an entertainer's dream AND an incredible value! The gourmet kitchen is truly something you won't find in just any home. In addition to tons of cabinets and counter space, a sliding barn door leads to a custom built-in pantry -- and tucked beyond that area is an updated half bath and laundry room! Love to entertain outside? Hardscaping and landscaping combine to create a gorgeous and colorful backdrop for any size gatherings. The extended deck off the kitchen overlooks a private wooded back yard and leads down to the extra-large stone patio area. Warm up around a fire pit or simply enjoy the ambiance of the attractive stone retaining walls and colorful lush vegetation. (You might just be planning your next party before you leave your showing!) **** Inside, gleaming hardwoods flow throughout the light and bright main floor, including a private home office (or 4th bedroom / flex room) with glass-paned French doors. The roomy primary bedroom suite features dual vanities, a large soaker tub and tiled shower. Upstairs, a large loft area can be a great movie, gaming and hangout space, or even another home office. Two additional bedrooms share another full bathroom. Need even more space? There's a full unfinished, walkout basement that's stubbed, has an electrical subpanel installed and HVAC system in place. With over 1600 square feet of additional space, you could have a workroom, a finished basement, or both! **** Even more features and upgrades make this home a turnkey, unbeatable value!! - New, upgraded 3-zoned Lennox HVAC; Installed plantation shutters; Exterior painted in 2024; Upgraded gutters and downspout; In backyard, multiple retaining walls, 2 dry creek beds, 2 drain basins, and garden area were added; Also, addition of irrigation system zones with separate meter; Extra attic insulation added to provide more energy efficiency. (See Upgrade List). **** Kitchen refrigerator and washer & dryer are included in sale.
Source: FMLS #7552616
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 #7552616
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.