1455 Rucker Cir, Woodstock, GA 30188
5 beds · 5 baths · 4,046 sqft
A rare opportunity for the most discerning buyer. Exceptional custom designed modern farmhouse, perfectly sited on a private, level, fenced and gated +/- 3.5-acre lot on a quiet, idyllic road in A++ Cherokee County location, just minutes from Milton. Soaring 12-foot ceilings on the main level create an unrivaled feeling of space and light, and the backyard oasis is a true wellness retreat complete with sauna, cold plunge and hot tub. Meticulously maintained and move-in ready, this extraordinary home checks all the boxes for those looking for the perfect blend of casual sophistication, room to breathe, and hassle free living (no HOA!) in a beautifully rural environment that is also just minutes from Milton and Alpharetta’s plentiful restaurants, shops and entertainment. The homeowners have painstakingly improved this beautiful home over time, having invested hundreds of thousands of dollars into upgrades and improvements since purchasing new. Some of the highlights include a fully fenced yard with powered gate, new circular driveway with retaining wall and extensive landscaping and tree removal that helped create a park-like setting. A custom outdoor kitchen with premium pizza oven, Infratech outdoor heaters and retractable screens for the rear covered porch make outdoor living a dream, and the extensive decking and seating areas that surround the Hot Springs hot tub are a nice touch. For those seeking to add wellness to their daily lives, take note of the infrared sauna and Odin cold plunge. An enviable raised bed garden with irrigation will have you exercising your green thumb, and a Cowboy Cauldron will be the center of attention for backyard cookouts and entertaining. The innovative floor plan is designed to fit today’s lifestyles, with a gourmet kitchen that opens to the family and dining rooms, large sliding glass doors opening to the rear and front porches, and a command center/ home office neatly tucked away near the kitchen. The kitchen’s center island is huge, and the 48” duel fuel range and 60” refrigerator/ freezer make cooking and entertaining a pleasure. The family room has beamed ceilings and a sleek linear gas fireplace, with custom built-ins on each side. The primary-on-main bedroom is the perfect size, and boasts a luxurious ensuite bath with a large zero-entry shower and an oversized walk-in closet. There is a guest room on the main with its own ensuite bath. Upstairs, discover a huge bonus room, three spacious secondary bedrooms, two full baths, and a wet bar. Gleaming hardwood floors and an extensive lighting package add timeless elegance. This property harmonizes luxury, functionality, and wellness-focused living—a true retreat that must be seen to be appreciated!
Source: FMLS #7549657
Source: FMLS #7549657
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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 “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.
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 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.