305 Hickory Ridge Ct, Canton, GA 30115
5 beds · 5 baths · 5,249 sqft sqft
This exquisite custom-built home is perfectly designed for both family living and entertaining. It features a full kitchen, entertainment room, and a full bathroom on the pool/terrace level, complete with double French doors and a covered patio—ideal for family picnics, birthdays, and parties. The expansive first floor boasts the owner's suite on first-floor, seamlessly connecting the kitchen and dining area to a family room with vaulted ceilings and a cozy fireplace. Enjoy the outdoors from the comfort of the covered front porch or the back deck, which leads to a serene screened porch overlooking the pool. The second floor offers ample space for creativity and privacy with a large quilting/craft room or bedroom, along with two bedrooms that provide perfect privacy for young adults. Every detail reflects high-quality craftsmanship, from the fresh neutral paint and hardwood floors throughout to custom-built shelves, desks, window seats, and closet organizers in each bedroom. Storage and parking are abundant with an oversized three-car garage and a separate detached garage suitable for a boat or RV. Safety and aesthetics are assured with a wrought iron fence around the pool and a perimeter fence ideal for pet owners, surrounded by meticulously landscaped grounds with an integrated sprinkler system. Advanced smart home features offer modern convenience, making this home a true sanctuary for those looking to combine comfort with luxury.
Source: FMLS #7438308
Interest rate and monthly payment estimated based on public records.
Source: FMLS #7438308
Source: Public records
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 30-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: #7438308
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.