306 Cacique Ct, Woodstock, GA 30188
3 beds · 2 baths · 1,765 sqft
BACK ON MARKET - NO FAULT OF SELLER! Welcome to a charming retreat in the heart of Woodstock, full of character and warmth! This cozy split-level home sits on a generous .88-acre lot and offers 3 bedrooms, 2 full bathrooms, and a partially unfinished basement with endless potential. As you step inside, you're greeted by a welcoming atmosphere, starting with the covered front porch and beautiful solid mahogany doors! Vaulted ceilings, custom plantation shutters, and a barn door add to the home's unique rustic and farmhouse charm. The entryway, with its classic brick floor, leads you into a cozy fireside family room and separate dining room, while the kitchen, with its breakfast bar, stylish backsplash, and eat-in nook, is perfect for both casual meals and entertaining. Adjacent to the kitchen you'll find a convenient laundry room, and access to a large wooden rear deck overlooking the tranquil backyard a serene escape, perfect for relaxation and enjoying nature. The oversized primary suite boasts a sitting area with fireplace, private access to the rear deck, and ensuite bathroom with double vanities, a separate tub and shower, and a spacious walk-in closet. The secondary bedrooms are generously sized and share a well-appointed bathroom. The unfinished basement is full of possibilities, with plumbing already in place and a finished room ready for your personal touches. Recent updates include a newer HVAC system, gutters, dishwasher, and microwave. Located in a quiet cul-de-sac within a peaceful neighborhood, this home offers the perfect balance of tranquility and convenience. Just 10 minutes from Downtown Woodstock, you'll enjoy easy access to shopping, dining, schools, and the interstate. Come see this delightful home for yourself contact us today to schedule a viewing! **Reduced Costs Option: With Preferred Lender, receive up to $2500 credit toward closing costs OR Free Temporary 1-Year Buydown.
Source: GAMLS #10384649
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10384649
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 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: #10384649
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