2199 Collins Ridge Dr NW Atlanta, GA 30318
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About this home
CHIC RETREAT, CHIC STREETS. Seamless indoor/outdoor integration and a fully equipped basement elevate this five-bedroom, four and one-half-bathroom Upper Westside gem to 'exceptional' status. Nestled within the sought-after Bolton Academy, Sutton Middle and North Atlanta High School districts, it stylishly pairs versatility with urban convenience. Integrating refinished walnut hardwood floors with an abundance of natural light, the main level features a formal dining area, a kitchen with granite countertops and an eat-in area overlooking a sun-drenched living room. Enjoy al fresco dining and relaxation on the covered and uncovered patio levels, complete with a beautiful fire pit area with a stone surround - perfect for roasting marshmallows under the stars. Upstairs, discover a spacious primary bedroom featuring a spa-inspired en suite with a separate shower and bathtub, offering a serene retreat after a long day. Three additional spacious secondary bedrooms with two full bathrooms provide plenty of space for residents and guests alike. The finished basement-complete with a Humidor for easy access to cigars and bourbon-is a dream for sports and entertaining enthusiasts, boasting dedicated space for dining, watching TV, playing video games and working out. Offering a perfect balance of luxury and convenience, the diverse and vibrant Upper Westside community is a place where residents enjoy a true sense of belonging. Known for its tightly knit social structure and frequent events for all ages, it offers proximity to The Works, Publix, Westside Park and Upper Westside Village. Enjoy convenient recreation at Collins Park with its playground and trails, as well as easy access to Midtown, I-285 and I-75. Elegant urban living meets suburban comfort at 2199 Collins Ridge Drive. Welcome home. Incentives for using preferred lender.
Source: FMLS #7654184
Neighborhood
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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.
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