227 Ryans Pt, Dallas, GA 30132
4 beds · 3 baths · 2,863 sqft
Welcome to this stunning 4-bedroom, 2.5-bathroom home in the sought-after Cedar Mill community! From the moment you arrive, you'll be charmed by the inviting covered front porch, perfect for relaxing with a morning coffee. Step inside to a grand 2-story foyer that leads to the formal living room and an elegant formal dining room with a beautiful coffered ceiling—ideal for hosting gatherings. The open-concept kitchen and family room provide the perfect setting for everyday living and entertaining. The spacious eat-in kitchen features stained cabinets, a large island, granite countertops, stainless steel appliances with a gas range, and ample prep space. Overlooking the kitchen, the cozy family room boasts a fireplace, creating a warm and inviting atmosphere. Upstairs, the oversized primary suite includes a separate sitting area, a spa-like bath with a double vanity, a soaking tub, a separate shower, and a generous walkin closet. Three additional guest bedrooms share a full bath, and a large loft/bonus room offers endless possibilities—perfect for a playroom, media space, or home office. The full unfinished daylight basement with exterior entry provides unlimited potential for storage, a workshop, or future expansion. Recent updates include brandnew carpet and fresh interior paint, making this home truly move-in ready! Located in one of Paulding County’s top-rated school districts, this home is nestled in the sought-after Cedar Mill community, which offers resort-style amenities, including a clubhouse, swimming pool, tennis courts, workout room, playground, and more! Conveniently located near shopping, dining, and major highways, this home has everything you need and more. Don't miss this incredible opportunity—schedule your showing today!
Source: FMLS #7525896
All values shown are estimated costs / mo.
Source: Public records
Source: FMLS #7525896
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.
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.
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.
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.
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.
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.
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.