2041 White Cypress Ct Smyrna, GA 30082
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About this home
Home is assumable with a 2.25% interest rate for those qualifying for a VA Loan, saving hundreds monthly! Don't miss this rare opportunity to own a beautifully upgraded Craftsman-style home in the exclusive gated community of Smyrna Grove. This spacious 5-bedroom, 4-bathroom home seamlessly blends comfort, privacy, and modern elegance. Step inside to an open-concept floor plan featuring gleaming hardwood floors throughout the main level, including the staircase. The gourmet kitchen is a chef's dream with granite countertops, an oversized island, stainless steel appliances, and ample cabinetry-all overlooking the bright living room with coffered ceilings, a cozy fireplace, and custom built-in bookcases. Upstairs, retreat to a luxurious owner's suite offering a spa-like bathroom with double vanities, a soaking tub, a separate shower, and an oversized walk-in closet. The home also includes a partially finished basement with a full bathroom and private bedroom, ideal for guests, a home office, or in-law suite. Enjoy outdoor living with a covered deck and patio, perfect for relaxing or entertaining. Additional features include a 3-car attached garage, high ceilings, and front yard maintenance included. Residents of Smyrna Grove enjoy resort-style amenities including a community pool, clubhouse, fitness center, playground, and walking trails. Prime location-just minutes from Smyrna Market Village, Truist Park, I-75/I-285, and only 25 minutes to Hartsfield-Jackson Airport. Schedule your private tour today and experience the lifestyle Smyrna Grove has to offer!
Source: FMLS #7625954
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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.