24 Scarlett Oak Dr NE, Cartersville, GA 30121
4 beds · 3 baths · 3,434 sqft

Get a free consultation call with an expert in the mortgage assumption process.
Your dream home awaits, but not for long! Welcome to this beautifully updated and remodeled ranch styled home tucked in the quiet, sought-after neighborhood of Woodberry Place in Cartersville. With its charming curb appeal, modern upgrades, and unbeatable location, this home is move-in ready and waiting for you — but you’ll have to act fast! The level driveway and kitchen level garage offer easy access inside where you will find a true foyer with barnwood trimmed entry to the main living area. The living room offers a stone fireplace and shiplap accent wall and another barnwood trilled entry to the kitchen with stainless steel appliances, ample cabinets, and a bright breakfast area with shiplap accents. The separate dining room is perfect for everyday meals or to host special gatherings in. The primary bedroom on the main level offers triple tray ceiling, large walking closet, and private bath with double sink vanity, soaking tub, and separate shower. Both secondary bedrooms and full bath also on the main level are good sized. In the daylight terrace level you will find a 4th bedroom, 3rd full bath, and large flex space. The covered porch, spacious deck, patio, and large backyard round out this home. Nestled just minutes from top-rated schools, shopping, dining, and I-75, you’ll love the convenience and charm of this community. Why wait? Homes like this don’t last long — especially at this price point. Make your move today and submit your offer before someone else beats you to it!
Source: FMLS #7556273
All values shown are estimated costs / mo.
Source: Public records
Source: FMLS #7556273
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.
