4735 Liberty Rd, Villa Rica, GA 30180
4 beds · 2 baths · 3,178 sqft
Welcome to this charming four-bedroom, two-and-a-half-bathroom home located in the desirable Villa Rica area. Set on a spacious one-acre lot, this home offers over 2,200 square feet of living space with an open floor plan that seamlessly connects the kitchen and living room. The kitchen is equipped with brand new appliances, including a gas stove, refrigerator, and dishwasher, making it perfect for both everyday meals and entertaining. The home boasts numerous updates, including a new dual HVAC system with a Nest thermostat (installed in 2023), a roof upgrade completed in 2022, and a septic tank overhaul in 2023. Fresh paint, new plush carpeting in the front rooms and upstairs, and new hardwood floors on the lower level add to the home's modern appeal. A large bonus room provides the flexibility to create a home office, playroom, or workout space, while the walkout deck off the living, dining room and basement offers the perfect spot for outdoor relaxation. Three additional bedrooms on the second floor come with large walk-in closets and can be tailored to your needs, whether for children's play, video games, or a workout area. The central air and gas fireplace ensure year-round comfort, while built-in bookcases in both the living room and main bedroom add a touch of elegance. The nearly 1,000-square-foot basement is primed for finishing, with plumbing and HVAC already set up, allowing you to expand your living space even further. Not to mention, all the toilets in the home are equipped with bidets, adding a touch of luxury and convenience to everyday living. This home is a true gem in a tranquil and welcoming community—don't miss your chance to make it yours!
Source: FMLS #7460760
Interest rate and monthly payment estimated based on public records.
Source: FMLS #7460760
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: #7460760
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.