4204 HARDY AVE, Smyrna, GA 30082
Welcome home! This beauty, nestled in the sought-after, gated community of Woodbridge Crossing! This gem, boasts 4-bedrooms, and 4.5-bathrooms. Step inside to discover the inviting partial open floor plan, adorned with hardwoods throughout the main level. The heart of the home is the well-appointed kitchen, complete with rich cabinetry, a convenient island, granite countertops, and stainless steel appliances. The kitchen seamlessly flows into the spacious family room, perfect for quality time with family, and entertaining. Upstairs, you will find the spacious owner's suite, offering an oversized sitting area, and large, dual closets. Tired from a long work day? Why not retreat to the balcony that extends from the owner's suite? Two of the secondary bedrooms share a Jack n Jill bath. The fourth bedroom is graciously sized, and features a full bathroom. Conveniently, also located upstairs, is the laundry room, ensuring ease and efficiency in daily chores. But, the true highlight of this home is the third level. This additional space adds versatility and functionality to the property, catering to a variety of lifestyle needs. This space is perfect for guests or a teenager wanting their own space. It is also perfect to use as a flex space, office or playroom. Woodbridge Crossing offers a delightful gated community experience with amenities such as a covered bridge overlooking a creek, a kids' playground, sidewalks, and a saltwater pool with a clubhouse. Tucked away yet conveniently close to the Silver Comet Trail, this location provides easy access to shopping, Smyrna Market Village, restaurants, midtown, the battery, and the airport. This wonderful home is ready to welcome you. A blank canvas, awaiting your special touch. Don't miss the opportunity to make it yours!
You may be able to put down less than the total down payment amount of $342,808 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #7412914
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.