119 Richfield Cir Kathleen, GA 31047
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About this home
**Seller offering $10,000 in Seller Concessions!** Nestled beneath a canopy of mature trees at the end of a long, private driveway, this stunning tri-level home offers the perfect blend of tranquility, space and sophistication. This 6 bedroom 5.5 bath home feels like a secluded retreat, yet offers all of the comforts and conveniences of modern living. A beautiful kitchen with high end appliances, granite countertops, and a generous prep space opens to a large media room with bar on one side and on the other, a cozy family room with a fireplace, ideal for entertaining or relaxing. The large primary suite offers both comfort and serenity with its own private access to an outdoor deck. It features a generously sized bedroom, walk-in closet, and an en-suite bath complete with a soaking tub, separate shower and plenty of light streaming in. The lower level provides its own haven with guest quarters, a second living area, or space for a home office and gym. This home boasts a fully functional basement shop with a dedicated space for projects and storage alike. Whether you are sipping coffee from the deck or enjoying an evening around the firepit, this home offers peace and privacy in every season. Call for an appointment and get to experience the perfect blend of nature and elegance at home.
Source: GAMLS #10547179
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Close stress-free in 45 days, handled start to finish by Roam.
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If you find a better price on any home, we’ll match it.
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.