610 Amberwood Pl, Euharlee, GA 30145
4 beds · 3 baths · 2,160 sqft
Get a free consultation call with an expert in the mortgage assumption process.
4BR/3BA Split-Level Home with NEW ROOF (2023) and Finished Lower-Level! Situated on a 0.57-acre lot, and offers 2,160sqft of finished space. Originally built in 1996, the potential-packed property offers three-levels of possibilities for new homebuyers with creative vision. Full of natural light, the interior features hardwood floors, vaulted ceilings, neutral paint tones, and a large family room with a ceiling fan and a well-appointed fireplace. Explore the eat-in kitchen to discover a stainless-steel gas stove, dishwasher, built-in microwave, attractive laminate countertops, ample cabinets, track lighting, breakfast bar, and breakfast area. Before heading upstairs, check out the fenced-in backyard. The deck is ideal for summertime gatherings, while the greenspace affords a wealth of options for playing, gardening, and hobbies. For those seeking an oasis vibe, you may further customize the backyard with a spa or pool! The upper-level primary bedroom includes tons of closet space and an en suite boasting a soaking tub and separate shower. Two additional bedrooms and a full bathroom cater to guest and flex space needs. Entertaining is always exciting with a finished lower-level rec room/secondary family room. Set up the space as a media area for weekend streaming or use it as a home office. One extra bedroom and a full bathroom add multigenerational appeal for lively households. Additional considerations include an attached two-car garage, NO HOA, NEW HVAC (2023) and a lower-level laundry area that comes with the washer and dryer. Only 10-miles from Downtown Cartersville. Bring your unique ideas and personal touch to make this split-level property the home of your dreams. SELLER OFFERING A $7,000 CREDIT AT CLOSING FOR NEEDED REPAIRS!
Source: FMLS #7542798
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 #7542798
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.