4084 Elsdon Dr, Austell, GA 30106
3 beds · 3 baths · 1,848 sqft
Step inside this immaculate 3-bedroom, 2.5-bath home and fall in love with all the charm it has to offer. From the moment you enter, the open and airy floor plan welcomes you with modern upgrades, spacious rooms, and thoughtful design. Imagine waking up in a sunlit owner’s suite, stepping into your oversized walk-in closet, and starting the day in your spa-like bath with dual vanities and a soaking tub w/ separate shower. Downstairs, the heart of the home—a gourmet kitchen with granite countertops, stainless steel appliances, a gas stove, and an oversized island—beckons you to sip your morning coffee while overlooking the cozy family room w/ a fireplace. A spacious dining area completes the main floor, offering seamless flow for everyday living. And you’ll fall in love with the brand-new flooring just installed on the first floor in March 2025! Step outside to your private, fenced backyard and enjoy a peaceful moment on the covered back patio. Whether hosting friends or unwinding after a long day, this space is perfect for creating memories. Nestled in a quiet and quaint community just off East West Connector, this immaculate 3-bedroom, 2.5-bath home offers the best of both worlds—peaceful living with unbeatable access to Truist Park, Smyrna, and the Silver Comet Trail. Plus, with top-rated schools and endless shopping, dining, entertainment options, and major highways just minutes away, this location is the perfect blend of convenience and charm and is hard to beat! Prime location. Impeccable condition. Don’t wait—schedule your private tour today and make this dream home yours!
Source: FMLS #7544128
Financials
Source: Public records
Source: FMLS #7544128
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.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.