1104 Palm St Canton, GA 30115
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About this home
The Needle in a Haystack! Renovated Ranch with Pool & Acre Lot Near Downtown Holly Springs Welcome to your dream home! This beautifully updated 1940 ranch is truly one of a kind — sitting on a flat, full acre just a short walk to downtown Holly Springs and minutes from I-575. It’s the perfect mix of vintage character and modern comfort, with your own saltwater pool (2023) and plenty of backyard space to garden, play, or just unwind. Step inside to find a custom gourmet kitchen (2024) with maple cabinets, quartz countertops, a 48” fridge, commercial-grade 6-burner range, and new dishwasher (2025). Every major system has been updated, including a metal roof, windows, siding, HVAC, plumbing, septic, and tankless water heater—so all the big stuff is done! Other thoughtful touches include a custom walk-in pantry with granite counters, tongue-and-groove ceilings, stylish new lighting and fans, and built-ins that make the space both beautiful and practical. The private front deck (2022) is the perfect spot for morning coffee or evening sunsets. With a new washer and dryer (2024) included, this home is truly move-in ready and feels brand new—without losing its 1940s charm. Come see why this hidden gem is the one you’ve been waiting for!
Source: FMLS #7647675
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FAQs
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.