44 White Oak Dr, Dallas, GA 30132
5 beds · 3 baths · 2,914 sqft
Hardwood floors, stainless steel appliances, modern, yadda yadda - you can see all that in the pics. But what the pics don't show you is the layout of FIVE bedrooms (1 bedroom on main + 4 upstairs) plus 2 large "not bedroom" rooms perfect for an office, game room, home gym, or for anything you need all the space. Floor plan is open but not too open. Kitchen overlooks large, welcoming family room (you know gatherings always end up in the kitchen... not a problem in this house). The dining room and additional areas are not open concept so if you need to step away from chaos, you have a place to retreat. Speaking of a retreat, let's chat about the yard: expansive and fenced, the backyard literally has 2 fenced backyards, a covered patio (so rain has no power over you), and a stone fire pit. The secondary backyard space could be used for a dog yard, gardening space, or just to keep littles off the grass so you can prove to yourself you do, in fact, have a green thumb. Front and back yards are fully loaded with timer-controlled sprinkler systems. Front yard has landscape uplighting for the wow-effect people envy when they drive by. Walking distance to nature trails and a dog park. True walking distance as in minutes - not walking distance that should probably really be a drive. The Seven Hills neighborhood offers resort-style amenities including a water park - park! not just a pool! - with a water SLIDE), nature trails, a 13-acre park, tennis courts, pickle ball, basketball courts, sand volleyball court, and spectacular, year-round community events.
Source: FMLS #7466710
Source: FMLS #7466710
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: #7466710
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.