3390 Vista Creek Dr, Dacula, GA 30019
4 beds · 4 baths · 3,242 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Updated, spacious and captivatingly beautiful. 4 bed 3.5 bath on a full, stubbed & ready to finish basement. This home offers everything that a family could ever imagine in beautiful Hamilton Mill. Upon entering this inviting home you are immediately greeted by a tantalizing 2-story foyer accented w/custom red oak hardwood herringbone pattern flooring and black rod iron baluster staircase. Elegant arched doorways highlight the formal living room/home office and separate dining room. The vaulted 2-story great room has a breathtakingly beautiful accent wall w/gas log fireplace along with big bay windows, tons of natural light and views to the backyard. Adjacent to the great room is an eat-in kitchen w/easy access to the backyard where you will enjoy the double-tiered deck that is perfect for entertaining and french drains that will keep your yard dry. Kitchen comes equipped w/stainless steel appliances, double oven/convection oven combo, gas stove-top, breakfast nook and views to the backyard. Main level is complete w/red oak hardwood flooring throughout, spacious owners suite w/custom lighted trey ceilings, semi-remodeled luxury hotel feels primary bath, laundry and luxury hotel feels ½ bath. Upstairs features include: 3 full bedrooms, 2 full bathrooms. True en-suite w/walk in closet, jack & jill bed/bath w/one of the rooms being an extra large princess suite(heated/cooled) has a walk-in closet & extra deep storage nook. Upstairs is complete w/an open loft/flex space that has views to the entrance foyer and great room; loft could be converted into a 5th bedroom! Unfinished basement with private entry provides space for a family room, home theater, gym, hobby room, bedroom suite and bath. Fully fenced and peaceful backyard for you to enjoy those quiet evenings! Hamilton Mill is a beautiful community in the award winning Mill Creek School District. Some of the wonderful amenities include-professional tennis center/courts, 18-hole golf course/shop, 2 junior olympic sized pools, pickle-ball courts, soccer field, landscaped green spaces, playgrounds, clubhouse/fitness center, member events/activities. Conveniently located near shopping, dining, parks, lake lanier, and I-85.
Source: FMLS #7519921
Learn about how it works
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
Close faster and stress-free
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: FMLS #7519921
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.