364 Whooping Creek Rd, Carrollton, GA 30116
4 beds · 3 baths · 1,917 sqft
Welcome to your very own private retreat! This lovely, level lot is nestled over 400 feet from the road on 2.66 acres, giving you all the peace and quiet you crave without being in a subdivision. Plus, it's just a quick 2-minute drive to Central Middle School and the elementary school, making it super convenient. As you step inside, you'll find a warm and inviting split bedroom layout with three comfy bedrooms upstairs. The primary suite is especially spacious and thoughtfully separated from the other bedrooms, featuring a beautiful tray ceiling, a lovely en suite bathroom with a walk-in closet, double sinks, and a separate garden tub and shower. And guess what? The laundry closet is conveniently located upstairs, right where you need it! The main living area is just perfect for relaxing and entertaining. You'll love the vaulted ceilings and the gleaming hardwood floors throughout. Fresh paint brightens up the space, and the cozy wood-burning fireplace creates a welcoming atmosphere. There's also a door leading to a large deck, which is ideal for fun gatherings or quiet evenings taking in the views. In the kitchen, you'll find charming wooden cabinets, stainless steel appliances (they're included!), and a stylish tile backsplash. There's even a pantry closet to keep everything organized! Downstairs, there's a versatile fourth bedroom, a third full bathroom, and a flexible space that could be an exercise room, office, cozy playroom, or man cave. whatever fits your lifestyle! Plus, the two-car garage offers plenty of room for storage, and it could be finished into extra space if you like. Another deck outside is perfect for hanging out. This property is truly a gem for hosting friends and family, complete with a fire pit area, an above-ground pool with a deck around it, and an amazing three-bay, 1200-square-foot separate garage with power already set up. This is a place where you can truly enjoy every moment. come see it for yourself!
Source: GAMLS #10399880
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10399880
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: #10399880
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.