530 FRANKLIN ST, Rockmart, GA 30153
|| NO HOA || || STEPLESS RANCH || || CLOSE TO HISTORIC ROCKMART & SILVER COMET TRAIL || || ALL BRICK CONSTRUCTION || || GENUINE HARDWOODS & CERAMIC TILE || || REAL GRANITE COUNTERTOPS || || ENERGY-EFFICIENT INSULATION & WINDOWS || || BEAUTIFUL BLACK WALNUT TREE & SPACIOUS YARD || || EASY ACCESS TO PARKS, TRAILS, AND COMMUNITY AMENITIES || ** What You'll See** Imagine stepping into your ALL BRICK STEPLESS RANCH where GENUINE HARDWOOD FLOORS stretch out beneath your feet, seamlessly blending with CERAMIC TILE that adds a touch of elegance to the kitchen and bathrooms. The REAL GRANITE COUNTERTOPS gleam under the soft glow of natural light pouring in through INSULATED WINDOWS, showcasing the home’s quality finishes. Outside, your eyes are drawn to the SPACIOUS YARD, shaded by a magnificent BLACK WALNUT TREE that not only offers cool relief in summer but also attracts a variety of colorful birds. This home sits in a peaceful setting, just moments away from the charming visuals of HISTORIC DOWNTOWN ROCKMART and the lush landscapes along the SILVER COMET TRAIL. ** What You'll Hear** Experience the tranquility of a home where the sounds of city life fade away, replaced by the SOOTHING SOUNDS OF NATURE. Listen to the gentle rustling of leaves from the BLACK WALNUT TREE in your SPACIOUS YARD, accompanied by the MELODIC CHIRPING OF LOCAL BIRDS. Inside, the ALL BRICK CONSTRUCTION and ENERGY-EFFICIENT INSULATION create a serene, quiet environment, free from outside noise. You can almost hear the laughter of friends and family enjoying the nearby PARKS, the rhythmic bounce of a tennis ball at the TENNIS COURTS, or the satisfying thud of a baseball hit at the community BASEBALL FIELDS. ** What You'll Feel ** Feel the quality beneath your feet as you step onto GENUINE HARDWOOD FLOORS that flow seamlessly throughout the house, complemented by cool, smooth CERAMIC TILE in the kitchen and baths. The REAL GRANITE COUNTERTOPS in the kitchen are both stylish and substantial, perfect for preparing meals or entertaining guests. Imagine the cool breeze through the INSULATED WINDOWS, keeping the home comfortable all year round. Outside, the SPACIOUS YARD provides plenty of room for outdoor activities, while the shade from the BLACK WALNUT TREE creates a cool, relaxing retreat where you can feel the warmth of the sun filtering through its leaves. With NO HOA, enjoy the freedom to personalize your home without restrictions, making every space truly yours. ** What You'll Experience ** Experience the PERFECT BLEND OF ACCESSIBILITY AND QUALITY in this STUNNING ALL BRICK RANCH home. With NO HOA, you have the freedom to live without restrictions, ensuring peace of mind and flexibility. The home’s ENERGY-EFFICIENT INSULATION AND INSULATED WINDOWS keep your living space comfortable and your energy bills low. Enjoy the functional benefits of GENUINE HARDWOOD FLOORS, CERAMIC TILE, and REAL GRANITE COUNTERTOPS, all crafted to enhance both form and function. Step outside to a SPACIOUS YARD under a BEAUTIFUL BLACK WALNUT TREE, offering a perfect balance of sun and shade, ideal for relaxation or play. Located near HISTORIC DOWNTOWN ROCKMART and with easy access to the SILVER COMET TRAIL, this home offers a lifestyle that combines convenience, community, and natural beauty. This home is move-in ready and waiting for you to create your own memories. Whether you’re drawn to the VISUAL APPEAL of quality finishes, the SERENITY of a quiet community, the TACTILE COMFORT of well-crafted details, or the PRACTICAL BENEFITS of a well-designed home, this property has something to offer every type of buyer. Don’t miss the chance to make it your own!
You may be able to put down less than the total down payment amount of $89,147 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: #7430954
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.