6160 Vista Crossing Way, Cumming, GA 30028
4 beds · 3 baths · 3,118 sqft sqft
***Seller's mortgage is ASSUMABLE at a fixed rate of 3.125%, you can save hundreds each month and thousands annually!!***Open the door, turn the key and MOVE RIGHT IN - this home is PERFECT! This gorgeous, craftsman-style home looks just as good in the person as it does in the photos! The ROCKING CHAIR FRONT PORCH greets you along with a TWO STORY FOYER as you walk inside. There's a formal dining room along with a FIRESIDE LIVING ROOM off the foyer. As you walk into the large but cozy FIRESIDE FAMILY ROOM, you'll notice a SEPARATE/PRIVATE HOME OFFICE which is perfect for those working from home! The gourmet kitchen is an ENTERTAINER'S DREAM with a HUGE ISLAND, stainless appliances, and it is completely open to the family and breakfast room. Enjoy these crisp, fall days as you sit on your SCREENED PORCH hanging with family and friends. Upstairs is the MASTER SUITE with a SITTING ROOM - big enough for a SECOND HOME OFFICE or a nursery. The spa-like master bath features vaulted ceilings, a separate tub and shower, double vanities and a walk-in closet. Three more generously-sized bedrooms are upstairs - one with an ENSUITE BATH, and the other two share a Jack-n-Jill bath. The unfinished BASEMENT gives you the option to add more room, and allows for plenty of storage. The backyard has two areas - a huge, FENCED in area along with a large open space. Additional upgrades and features include NEW CARPET IN THE BEDROOMS, fresh/neutral paint, luxury vinyl flooring on the main, a NEWER ROOF, updated light fixtures throughout, TWO FIREPLACES, and built by a QUALITY, LOCAL BUILDER. Parkstone is a popular community which offers swim, tennis, pickleball, basketball court, park and playground amenities. If you want an ACTIVE/SOCIAL community you found it here! This is one of those homes where PRIDE IN OWNERSHIP shows! Meticulously-maintained and honestly a RARE FIND!
Source: GAMLS #10381014
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10381014
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.
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: #10381014