4336 Mallory Ct, Union City, GA 30291
3 beds · 3 baths · 1,494 sqft
Welcome to your dream home in Mallory Park. This nearly new residence offers a spacious, open floor plan designed for both entertaining and everyday living. From the moment you step inside, you'll be greeted by a bright and inviting foyer leading to a versatile flex room, perfect as a home office, playroom, dining room, or anything your lifestyle demands. The heart of the home is the stunning chef's kitchen, featuring sleek gray cabinetry, granite countertops, stainless steel appliances, and a large center island with an undermount sink. This space seamlessly connects to the family room, complete with a cozy fireplace, creating the perfect setting for gatherings and relaxing evenings. Luxury vinyl flooring, recessed lighting, ample storage space and blinds throughout the home add both style and functionality. The owner’s suite is a private retreat, boasting a spacious layout, large walk-in closet, and en-suite bathroom with a dual granite vanity and a walk-in shower. Two additional bedrooms and a hall bath with granite countertops provide plenty of space for family, guests, or additional work-from-home options. Step outside to enjoy a private backyard, ideal for relaxing or entertaining. The home’s unbeatable location ensures effortless commuting with easy access to the expressway, Hartsfield-Jackson airport, and city center. Plus, you’ll love the proximity to premier shopping, dining, and entertainment options just minutes away. Don’t miss your chance to make this beautiful house your home. Schedule your showing today!
Source: FMLS #7509856
Send questions to support@withroam.com
Why Roam
Lower rates and lower down payments
The only homebuying option for you to put 5% down and get a 5% rate.
Closing guarantee
We can close in 45 days or we’ll pay the seller’s mortgage until we close.
Offer acceptance
95% of offers accepted when made with Roam. 5% accepted without.
Rates and payments are estimates based on public records.
Source: Public records
Source: FMLS #7509856
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.