9137 Loxford St, Lithia Springs, GA 30122
6 beds · 4 baths · 4,304 sqft
Welcome to the secluded "Tributary Subdivision!" Elegance and tranquility perfectly describe this spacious custom home. Gorgeous chandeliers as you enter both the foyer which is opened to the formal Dining Room. Also, the Foyer is opened to the Family Room with fireplace, another chandelier and windows giving so much natural light to the open floor plan. The Kitchen and Breakfast Room are open to the family room and a covered, screened deck that overlooks the large privacy fenced back yard. Through the family room is a bedroom suite on the main with a walk-in closet. Back to the foyer and up the stairs to another Foyer with another beautiful chandelier. This is a private sitting room outside of the Owner's Suite overlooking the front of the property. The double doors are to the Owner's Suite with so many windows, natural light, chandelier and opened to the Owner's Bathroom with double vanity, separate glass shower, soaking tub, private water closet and a custom walk-in closet! Out of the master are 2 other bedrooms and a bath. The 3rd bedroom on this floor is a girl's-dream. Both chandeliers are gorgeous and this bedroom is a "She-Shed." Back to the Hall are permanent stairs to a third level. On the 3rd level is an unfinished bedroom suite with unfinished bathroom. Unbelievable space for more room, as the home is so spacious. Lets go down both set of stairs to the completely finished Terrace Level. An office, 2 other Bedrooms and 1 full bath with a Huge Family Room and an exterior door to the private rear yard! Curb Appeal! Welcome Home!
Source: GAMLS #10377132
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10377132
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: #10377132
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.