1986 Villa Spring Ct, Dacula, GA 30019
4 beds · 3 baths · 2,486 sqft
Welcome to 1986 Villa Spring Court, a charming single-family home located in the desirable Dacula area of Gwinnett County, Georgia. This inviting residence is recently painted and expertly cleaned. Boasts 4 bedrooms and 2.5 bathrooms, encompassing approximately 2,486 square feet of comfortable living space. Highlights include an open-concept floor plan that enhances the airy, spacious feel, as well as a cozy fireplace in the living room that adds warmth and ambiance. The eat-in kitchen with view to the family room features ample cabinet space with a separate coffee/wine cabinet / buffett station, a convenient breakfast bar, perfect for family gatherings and pantry for added storage. The spacious master suite is a true retreat, complete with its own private bathroom, dual vanity, separate tub and shower and large walk-in closet. The laundry room is conveniently located upstairs. Step outside to a generous backyard that’s ideal for entertaining and/or gardening. Take advantage of the two-car garage, providing ample parking. Situated within the highly regarded Dacula school district, this home presents an exceptional opportunity for various buyers. Whether you're a first-time homebuyer looking to lay down roots, a growing family in need of extra space, or empty nesters seeking a low-maintenance lifestyle, this property caters to all. With its practical layout, inviting ambiance, and fantastic location, 1986 Villa Spring Court is sure to impress. Don’t miss your chance to own this charming residence—schedule a viewing today and discover the comfort and convenience that awaits you!
Source: FMLS #7542596
Source: FMLS #7542596
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%. 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.
Other resourcesWhat 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.
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