5093 Heartland Trl, Hoschton, GA 30548
5 beds · 3 baths · 3,415 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to Trilogy Park where you will enjoy exceptional amenities, such as a clubhouse, swimming pool, tennis courts, and numerous playgrounds, all nestled within the sought-after Mill Creek School district. Your beautifully maintained home is positioned on a partial cul-de-sac, offering ample space. As you enter, you are greeted by beautiful hardwood floors and a striking double vaulted ceiling in the foyer, with a dining room to the right and a flex/office and guest bedroom with an ensuite bathroom to the left. The cozy living room features a fireplace and two-story windows that flood the space with natural light, seamlessly connecting to the kitchen, which includes a breakfast area, working island, gas stovetop, and built-in wall oven and microwave. Step through the double doors to your private two-story deck that overlooks a serene, wooded backyard, complete with a fantastic patio featuring a built-in fire pit and pergola ideal for outdoor gatherings. Upstairs, the expansive main bedroom offers a luxurious ensuite bathroom with new tile, an oversized shower, and a spacious walk-in closet. This level also includes a convenient laundry room and three additional generous bedrooms sharing a bathroom. The basement is partially finished, providing ample room for further expansion, along with a new half bath for added convenience. Recent upgrades include a NEW ROOF, HVAC system, WATER HEATER, and a reinforced deck. Conveniently located just minutes from I-85, shopping, dining, and entertainment, this home a MUST see!!
Source: FMLS #7560428
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: FMLS #7560428
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.
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.
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.
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.
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 “Save search” 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.
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 620, 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.