18 Mountain Ct Dallas, GA 30132
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About this home
Welcome to this charming one-owner ranch home, ideally situated in a quiet cul-de-sac within a welcoming neighborhood, offering a sense of privacy while still enjoying the benefits of a community setting. The home features a spacious covered front porch, perfect for relaxing outdoors, and an extended rear deck designed for entertaining or unwinding in the fully fenced backyard. The basement is a mechanic's dream, matching the square footage of the main living area and providing ample space for projects, with power and a breaker box ready to accommodate a large air compressor. The main two-car garage, 19'6" deep by 12' wide, easily accommodates two full-size short-bed quarter-ton trucks and includes convenient LED Chamberlain Bluetooth garage door openers. Inside, modern conveniences include an updated Bluetooth thermostat, a gas tankless water heater for endless hot water, and a recently replaced waterline from the street to the house. Fiber internet is available through Greystone Connect, with wiring already run from the exterior to the living room. The home comes fully equipped with appliances, including a washer, dryer, refrigerator, and a convection air fryer microwave. The kitchen has been thoughtfully updated with beautiful wood flooring installed less than three years ago, a subway tile backsplash, a motion-activated faucet over a white cast iron sink, and a whisper-quiet garbage disposal. Bedrooms feature new carpeting installed within the past three years, and the entire interior has been freshly painted for a move-in-ready appearance. Cozy up in the living room next to the wood-burning fireplace, ideal for relaxing evenings. Outside, the manicured front lawn showcases seven recently planted holly trees along the property edge, two mature crepe myrtles, and is further enhanced by a young Japanese maple and an evergreen dogwood, adding charm and curb appeal. With its thoughtful interior updates, spacious living areas, functional garage and basement, and a quiet cul-de-sac location, this home offers a rare opportunity to enjoy comfort, convenience, and a private, yet connected, neighborhood lifestyle in one exceptional property.
Source: GAMLS #10606752
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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.