3258 Polo Run Cir SE, Smyrna, GA 30082
5 beds · 4 baths · 3,855 sqft
Welcome to this stunning 5-bedroom, 4-bathroom home nestled in a prestigious gated community in Smyrna. As you step through the front door, you're greeted by a grand 2-story foyer, with a private office to your right and an elegant formal dining room to your left. The heart of the home is the family room with cathedral like ceilings, featuring a floor-to-ceiling hearth around the cozy fireplace and a wall of windows that flood the space with natural light. The open-concept kitchen is a chefs dream, complete with a large breakfast bar, stone countertops, abundant cabinet space, and a built-in desk. Adjacent to the family room, the kitchen also offers a casual dining area with access to a spacious deck, perfect for outdoor entertaining while overlooking the backyard. A guest bedroom on the main level, paired with a full bath, makes hosting in-laws or visitors a breeze. Upstairs, you'll find three spacious bedrooms, including the oversized master suite with tray ceilings. The luxurious ensuite features his and her vanities, a separate soaking tub and shower, and an expansive walk-in closet. Two additional bedrooms share a full hall bath, and the conveniently located laundry room completes the upper level. The fully finished basement adds versatility to the home, offering a bedroom, a beautifully appointed full bath, and multiple flex spaces perfect for creating a media room, game room, or additional living quarters. The possibilities are endless! This exclusive gated community also provides access to premium amenities, including a pool, playground, and more! Don't miss out on the opportunity to make this incredible home yours!
Source: GAMLS #10393660
Source: GAMLS #10393660
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: #10393660
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.