26 Alisha Cir NW, Cartersville, GA 30121
4 beds · 2 baths · 1,800 sqft
This charming, newly remodeled home is the perfect blend of classic character and modern upgrades! Recently updated inside and out, this home boasts a fresh, contemporary feel while maintaining its timeless appeal. With a newly added primary bedroom suite, you’ll enjoy the luxury of an en-suite bathroom featuring stylish finishes and trendy barn doors for a touch of rustic charm. The open-concept floor plan is perfect for entertaining, with a brand-new kitchen that shines with solid surface counters, crisp white cabinetry, all-new appliances, and updated lighting. Whether you're preparing meals or hosting friends and family, this space is as functional as it is beautiful. Fresh paint throughout the interior creates a bright and inviting atmosphere, while the new lighting adds a warm glow to every room. Outside, the freshly painted exterior is complemented by new shutters and windows, giving the home fantastic curb appeal. The thoughtful updates continue throughout, making this house feel like new while retaining the charm of its older build. Located in a friendly and convenient neighborhood, this home is ready for you to move in and make it your own. Don’t wait; schedule your showing today! *** Seller Incentive *** Seller is offering to pay up to $6000 in closing costs OR up to a 1% permanent buy down.
Source: FMLS #7498424
All values shown are estimated costs / mo.
Source: Public records
Source: FMLS #7498424
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.