770 Charles Hall Dr, Dacula, GA 30019
4 beds · 2 baths · 1,665 sqft
Welcome to your new home in Dacula, Georgia Co where modern comfort meets suburban tranquility! Located in the sought-after Magruder Crossing community, this spacious ranch-style home offers everything you need for a comfortable and convenient lifestyle. Nestled on a private 0.37-acre lot, this home boasts a fenced backyard perfect for family gatherings, gardening, or simply enjoying the peaceful surroundings. Step inside to an open-concept layout with high ceilings, allowing natural light to flow throughout. The master suite on the main level is your private oasis, featuring vaulted ceilings, a double vanity, soaking tub, and a walk-in closet Co perfect for a relaxing retreat. The heart of this home is the open kitchen, complete with a breakfast bar, pantry, and solid-surface counters, all flowing into the cozy family room, which has a stunning stone fireplace with a wood-burning stove. Situated in a prime location, youCOll find yourself close to parks, top-rated schools, shopping, and dining options. The community is friendly and welcoming, making it an ideal spot to settle down. Enjoy nearby trails, green spaces, and all the convenience Dacula has to offer. With a beautiful brick front and Hardiplank siding, this home exudes curb appeal. ItCOs ready for you to move in and make it your own. DonCOt miss the chance to call this gem your home Co the seller is motivated and ready to make a deal! Come see it today and embrace the lifestyle youCOve been dreaming of!
Source: GAMLS #10408996
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10408996
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.
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.
MLS ID: #10408996
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.