15 Spruce Ct Stockbridge, GA 30281
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About this home
Fully Renovated Charming 3BR/2BA Ranch on a Beautiful 1-Acre Corner Cul-de-Sac Lot! Nestled in an established neighborhood, this well-maintained home offers peaceful living on a spacious and private lot. The large country kitchen features plenty of cabinetry, granite countertops, a tile backsplash, stainless steel sink, and a walk-in laundry room. This home has new paint, flooring, and new bathroom vanities throughout, making it the perfect move-in ready home for the perfect buyer! Enjoy your morning coffee in the bright breakfast nook with a bay window overlooking the spacious, inviting backyard. The separate dining room and welcoming foyer open to an oversized family room with stunning new hardwood floors and a freshly painted brick fireplace with gas starter. The spacious primary suite includes a walk-in closet, garden tub, and separate shower. Both bathrooms feature freshly painted wooden cabinets, new tile flooring, and new vanities. Step outside onto the deck to your own private retreat featuring a spacious backyard with a cozy firepit area—perfect for relaxing evenings or entertaining guests. The custom-built seating and string lighting create an inviting atmosphere for gatherings under the stars, all set on a beautifully landscaped one-acre lot offering plenty of open space and privacy. Book your showing today! Please use the following link to submit all offers. https://app.homeward.com/agents/listings/a2ZPd000001YihBMAS/submit-an-offer/ NOT FHA APPROVED UNTIL 12/22/2025
Source: FMLS #7676070
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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.