2091 Tudor Castle Cir, Decatur, GA 30035
4 beds · 2 baths · 3,042 sqft sqft
Welcome Home to this stunning 4-bedroom, 2.5-bathroom in the well-established Kings Ridge community in Decatur. Enjoy slow mornings on the covered front porch and additional parking for guests on the extended driveway. This home offers generous space, exquisite finishes, and designer fixtures throughout. As you enter through the front door you're greeted by a flex space perfect for a dining area or home office. Your family & guests can enjoy the comfort of the open-concept living area with an elegant tiled focal wall & stunning fireplace, while you entertain in the beautifully designed kitchen! This culinary space is a homeowner's dream featuring a custom vent hood, a spacious island for prep & seating, and new stainless steel appliances. Admire the gorgeous accent wall on the stair landing as you make your way to the Second Level. The oversized Owner's Suite welcomes you with French Doors, a cozy sitting area to relax, and two walk-in closets. Relax further in the luxurious spa bathroom with his-and-her sinks, a soothing freestanding tub, and glass shower. Upstairs also boasts three spacious secondary bedrooms and a full bathroom. The fenced-in backyard living space is complete with a nice deck for entertaining and a huge lawn to enjoy as you please. This home is sure to capture your heart! Perfectly located near shopping, dining, and quick access to the highway. You don't want to miss the opportunity to own this magnificent home!
Source: GAMLS #10390406
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10390406
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: #10390406
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.