9 Ridgemont Way SE, Cartersville, GA 30120
3 beds · 3 baths · 2,737 sqft
Assume this home at 3.375% and save thousands annually! A rocking chair front porch welcomes you into this gorgeous custom Craftsman in coveted Carter Grove. Freshly painted, a grand two story foyer leads to an elegant formal dining room on one side, and a vaulted space with glass French doors perfect for your home office or study. The sweeping open floor plan with custom blinds continues into a family room with soaring ceilings and stacked stone fireplace overlooking the central kitchen. Truly the heart of this home, a chef-inspired kitchen features tons of custom cabinetry, expansive island, sparkling granite countertops, tile backsplash, stainless steel appliances, and sunny breakfast nook. Down the hallway a generous pantry, powder room, laundry with folding table, and versatile flex room perfect for a fourth bedroom or den completes the main level. Glide upstairs to the massive owner's retreat complete with tray ceiling, dedicated sitting area, huge custom walk-in closet, and gorgeous designer bath. This designer ensuite bath is nothing short of spectacular with granite-topped custom vanity with tons of storage, luxurious freestanding soaking tub, and separate oversized tiled shower. Two roomy secondary bedrooms share a beautifully appointed jack-and-jill bath with custom granite vanity. Smart home features include USB connections in the owner's suite and RJ45 lines to the back flex room and front office. Pre-inspected and move-in ready, quality craftsmanship and finishes throughout combined with a home warranty of your choice make this home the best value in the neighborhood. The large patio is the perfect place to grill and relax overlooking the serene backyard in this beautiful, established pocket of Carter Grove. Amenities in this desirable community include swimming pool, tennis, pickleball and playground. With easy access to 18-hole Woodland Hills Golf and Country Club, schools, shopping, and dining you won't want to wait to call this your forever home. Discounted rate options and no lender fee future refinancing may be available for qualified buyers of this home.
Source: FMLS #7536844
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 #7536844
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.