284 N Point Cir, Hartwell, GA 30643
3 beds · 2 baths · 1,500 sqft
This delightful one-level home in the North Point Subdivision offers everything you need for comfortable, low-maintenance living. Offering 3 spacious bedrooms and 2 well-appointed bathrooms, this home is perfectly priced for first-time homebuyers or those looking to downsize without sacrificing comfort and style. As you enter, you'll be greeted by a spacious open floor plan that creates a bright, airy atmosphere. The living room is inviting and well-sized, making it perfect for relaxing or entertaining guests. Large windows flood the room with natural light and provide pleasant views of the back yard, making this space feel warm and welcoming. The modern kitchen is designed with convenience in mind, featuring updated appliances, ample cabinetry, and generous counter space. For the home chefs, this kitchen features an innovative adjustable cabinet drawer that effortlessly lifts heavy appliances to counter height and then lowers them for easy storage-eliminating the need to manually lift items every time you use them. Whether you're an experienced chef or just starting out, this kitchen will be a joy to cook and entertain in. The master suite offers a peaceful retreat at the end of a long day. It's generously sized and includes a private en-suite bath, making it a perfect place to unwind. Two additional bedrooms provide flexibility for use as guest rooms, home offices, or hobby spaces, depending on your needs. Both bathrooms have been thoughtfully updated with modern fixtures and finishes, providing both functionality and style. The convenience of one-level living ensures that every space is easily accessible, making this home ideal for those who want a low-maintenance lifestyle. Step outside to enjoy a large backyard that offers plenty of room for gardening, outdoor entertaining, or simply relaxing in a peaceful setting. The home's exterior is designed for easy upkeep, and the quiet, friendly atmosphere of North Point Subdivision provides a welcoming community for all residents. Located close to schools, shopping, and local parks, this home offers both convenience and charm in a desirable neighborhood. The low-maintenance exterior and potential for easy living make it a perfect fit for those seeking a comfortable and affordable home. Come experience the best of Hart County living in this lovely, move-in ready home! Call Melissa NeSmith at 706-371-2968 to schedule your private tour!
Source: GAMLS #10496056
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Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
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We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: GAMLS #10496056
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.