150 Keaton Ct, Alto, GA 30510
3 beds · 2 baths · 1,302 sqft sqft
This Stunning 3-Bedroom, 2-Full Bath Home is nestled in a quiet cul-de-sac (No HOA) just minutes from I-985, in a beautiful community with Mountain Views. The yard is expansive with a long inviting driveway and a private gated back entrance from Crane Mill Road, conveniently located to easily maneuver utility trailers and recreational vehicles. The unfinished basement offers room to grow. If you're envisioning additional bedrooms or separate living quarters, the hard part has already been done, with sheetrock, wiring and a stubbed bath. The spacious main living area features a cozy fireplace, perfect for snuggling up on chilly evenings or entertaining friends and family. Natural light floods through the open layout that seamlessly connects the living room to the dining area and kitchen. The custom counter with cabinets, gives added prep space, and is easily removable. You'll enjoy stepping out on the back deck to bask in the sunshine with your morning coffee. After a long day, you'll welcome the large owner's suite and spacious bathroom with a double vanity, separate shower and large soaking tub. This amazing home has been loved and enjoyed by a large family. A little TLC, fresh paint and updating, will help you create the family estate or private sanctuary that you've been looking for. Close to everything and located in a highly desirable school area.
Source: GAMLS #10393867
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10393867
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: #10393867
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.