221 Creekside Dr Arnoldsville, GA 30619
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About this home
Welcome to this beautifully maintained 3 bedroom, 2 bath brick Cape Cod nestled on 1.51 acres in the highly sought-after Creekside Subdivision in Arnoldsville, GA-just 11 miles from UGA and downtown Athens! Freshly painted and move-in ready, this home offers a warm and inviting atmosphere with a thoughtful split-bedroom floor plan. The kitchen features stainless steel appliances, tile flooring, and a breakfast area that opens to a spacious living area with wide vinyl plank flooring and a cozy gas log fireplace-perfect for relaxing evenings at home. Enjoy hardwood floors in the foyer and formal dining room, which also boasts an elegant tray ceiling. The owner's suite features a tray ceiling, walk-in closet, and a well-appointed master bath complete with tile floors, double vanity, jetted tub, and separate shower. Natural light fills every room thanks to plentiful windows, and the vaulted ceiling in the second bedroom adds a touch of character. Step out back onto your brand-new deck-an ideal spot for morning coffee or quiet evenings. The fenced backyard offers a safe space for children and pets to play, with a wooded backdrop that invites exploration and adventure. Need room for hobbies or storage? Youll love the 24x30 workshop with two roll-up doors and power-perfect for projects, equipment, or extra space. This is a rare opportunity to enjoy country-style living with neighborhood charm and convenience. Don't miss your chance to call this lovely property home!
Source: GAMLS #10571190
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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.