6660 Hidden Brook Trl, Atlanta, GA 30349
4 beds · 2 baths · 1,624 sqft
Stunning Modern Home with High-End Upgrades – Step into this beautifully designed home, where elegance meets functionality. Boasting a black and white motif throughout, this home features a gourmet kitchen with a farm sink, industrial faucet, quartz countertops, and a striking black-glazed tile backsplash. The large kitchen island showcases a stunning black and white quartz countertop, perfect for meal prep and entertaining. A dedicated dry bar area provides space for a microwave and coffee station, adding convenience to your morning routine. The open-concept layout is accentuated by LED wafer lighting, upgraded light fixtures, and bluetooth ceiling speakers, creating the perfect ambiance. The decorative hall and custom-built foyer with handrails add a touch of sophistication. Upstairs, each bedroom is equipped with a ceiling fan, ensuring comfort year-round. Luxury continues in the bathrooms, featuring non-fog LED mirrors upstairs and a Bluetooth-enabled LED mirror downstairs. The laundry area includes a stackable LG Thin Q washer and gas dryer, offering energy-efficient convenience. Designed with modern living in mind, this home is equipped with a dedicated 60-amp EV port in the garage, soft-close cabinets and drawers, and an outside venting hood. The durable LVP flooring adds style and practicality. Major updates include a new water heater, new HVAC system, and a 2-year-old roof. Step outside to enjoy the benefits of a fenced yard and French drain with an underground gravel pit, ensuring proper drainage. The mudroom offers additional storage and organization. This home is the perfect blend of style, comfort, and smart upgrades—schedule a tour today! Privacy fence added and backyard down tree removal OR $5000 in closing costs with full price offer, your buyer's choice.
Source: FMLS #7549143
Source: FMLS #7549143
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.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.