176 Birchfield Way, Dallas, GA 30132
5 beds · 3 baths · 3,240 sqft sqft
Come check out this move-in ready home in sought after Legacy Pointe with a great floor plan and lots of bright open spaces! Step inside to laminate wood floors throughout the entire main level for a beautiful aesthetic and easy to maintain lifestyle. To the right of the foyer, a large sized dining room with an on-trend light fixture and easy access to the kitchen. Enjoy a bright open-concept living room featuring a fireplace and lots of room to spread out. Spacious kitchen features a large island with seating and deep sink, stainless steel range and dishwasher, lots of cabinet and counter space, walk-in pantry, and light-filled breakfast room. Downstairs secondary bedroom and full bath makes a great guest room/MIL suite or home office. Upstairs, a game room awaits - or playroom, craft room, living room, reading space, you name it! Retreat to the oversized primary bedroom with a HUGE seating area and en-suite bath with his/hers closets, dual sinks, separate soaking tub, and walk-in shower. Three large secondary bedrooms on the opposite side of the floor ensure privacy and plenty of room with a full bath with dual sinks close by. Enjoy the convenience of an upstairs laundry room! Don't miss the fully fenced backyard with freshly installed sod for the perfect green space to enjoy outdoor activities; summer barbeques, play area, entertaining you name it! The patio slab is ideal for a table set where you can enjoy your daily cup of coffee or dining al fresco under the stars! All backing up to woods for the ultimate privacy and serene living. The community amenities include swimming pool, tennis courts, club house and is conveniently located to schools, shopping, restaurants, entertainment, parks and recreation.
Source: GAMLS #10381777
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10381777
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: #10381777
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.