3965 Hamilton View Way, Dacula, GA 30019
4 beds · 2 baths · 3,819 sqft sqft
Welcome to the most sought after street in the Hamilton Mill area. NO HOA, 1 private acre, fully fenced, on a cul-de-sac AND within walking (sidewalk) to BOTH Duncan Park and the beautiful Little Mulberry Park. Are you a car enthusiast or have a lot of equipment to store - look no further. Rare 5 car ATTACHED garage configuration, fully heated/cooled and both include sinks! Extra deep 30' 2 car front and 3 car rear including a car port and LOTS of concrete parking space for boats, RV's, trailers and more. The rear area is surrounded by cedar fencing and gated for your security and privacy concerns. As you step in you are greeted by 2 stories of farmhouse style shiplap with a spacious board and batten dining and office/sitting room areas. Further in you will find a fully custom chef's kitchen including Stainless top-end appliances, soft close cabinets, and a pot filler. The kitchen is surrounded by travertine title and includes a HUGE island for all your prepping and entertainment needs. The whole area is an open concept including a gas burning fireplace, barnwood accent walls and beautiful wood flooring. Upstairs you will find a spacious Master bedroom that includes a GIGANTIC custom master closet for all of yours and her storage and dressing needs WITH its very own private washer and dryer hookups! The master bath is freshly remodeled with full Carrera marble and top end fixtures. Enjoy a soak in the new (never used) free standing tub or the new rain drop shower. Further into the master bath you will find a custom makeup and vanity area separate from the closet but close to the sinks. Outside you will find the common area washer and dryer, 2 standard size bedrooms and a very large 3rd bedroom or 2nd master. Outside are LOTS of ornamental plants, beautiful landscaping and very well maintained Japanese Maples. The main grass area is designed for a pool as the septic lines go around the border of the property. Further back you will find another huge entertaining area with a custom firepit, gravel seating and shade for those that love to live fire cook, bbq, entertain, and play with the dogs and kids. Every light, fixture, outlet, and switch has been upgraded to suit the style. Fiber internet hookup and whole house roaming wireless can be considered to stay with the sale. The property is within the highly desired Mill Creek school district, 3 minutes to publix/home depot shopping, with NO speed bumps or round-a-bouts, and 3 fire stations including the HQ for piece of mind. Welcome Home!! Assumable Loan @ 3.8% Owner Financing Available
Source: GAMLS #10321025
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10321025
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: #10321025
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