2435 Napa Valley Dr, Villa Rica, GA 30180
4 beds · 3 baths · 2,657 sqft
Charming 4-Bedroom Home in Villa Rica, GA! Welcome to your dream home in the heart of Villa Rica! This spacious 4-bedroom, 3-bathroom residence offers a perfect blend of comfort and style, ideal for anyone looking for a serene retreat. The inviting living room features a warm fireplace, perfect for cozy evenings with family and friends. An extra family room provides ample space for entertainment or play, ensuring everyone has room to relax. A Beautiful loft overlooking a 2-story foyer. The well-appointed kitchen boasts a walk-in pantry, offering plenty of storage and room for all your culinary creations. Retreat to the luxurious master suite with a bonus space, complete with a walk-in closet and a master bathroom with a relaxing soaking tub and a convenient shower. The expansive unfinished BASEMENT presents endless possibilities for customization—create your ideal workshop, gym, or extra storage space! Step outside to enjoy a beautiful backyard with a patio, perfect for outdoor gatherings, gardening, or simply soaking in the fresh air. This home is conveniently located near shopping and a golf area, making it a fantastic spot for family living. Don’t miss the opportunity to make this charming property your own! Schedule a viewing today and experience all that this Villa Rica gem has to offer! Discounted rate options and no lender fee for future refinancing may be available for qualified buyers of this home. 2.25% assumable mortgage available
Source: FMLS #7460601
Source: FMLS #7460601
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: #7460601