3635 Canyon Springs Dr, Oakwood, GA 30566
3 beds · 2 baths · 1,760 sqft
Beautiful Townhouse in growing Oakwood, GA. Built in 2020, this spacious 3-bedroom, 2.5-bathroom home offers the perfect blend of comfort, style, and convenience, ideal for those looking for a move-in-ready home with a contemporary layout. This home has been meticulously been taken care of by the sole owner, the upstairs loft has been updated to LVP flooring to give it a more modern look. The gorgeous open floor plan allows for a versatile use of the room. The kitchen is equipped with modern stainless steel appliances, granite countertops, and a generous island that sits 4 people, making it both functional and stylish. Upstairs, you'll find all three spacious bedrooms, including a tranquil master suite with a private en-suite bath and not one but 2 walk-in closets. The two additional bedrooms share a full bathroom, ensuring plenty of room for family or guests. The home also features a convenient half bath on the main level for added comfort. Located in a friendly, well-established neighborhood this community offers amenities such as a pool, playground, walking trail, sidewalks. The low HOA includes all the exterior maintenance so you don't have to worry about a thing. This townhome offers easy access to shopping, dining, major highways including I-985, and just a few minutes from one of Lake Lanier's public dock making it a great choice for commuters and those looking to be close to all the amenities Oakwood has to offer.
Source: GAMLS #10407916
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10407916
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: #10407916
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