230 Carriage Cir Stockbridge, GA 30281
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About this home
Welcome to this inviting 3-bedroom, 2-bath home in the desirable Carriage Trace community. Thoughtfully maintained and full of charm, it features a spacious floor plan with a bright kitchen, stainless steel appliances, a gas stove, and a view into the family room. Multiple living areas, including a bonus family room and a finished basement with a cozy fireplace, make it easy to relax or entertain. A dedicated workshop adds extra space for projects and storage. The primary bedroom is a comfortable retreat with its own bath, while two additional bedrooms provide plenty of room for family, guests, or a home office. Step outside and enjoy the large backyard with a deck, perfect for gatherings, plus an outdoor storage shed for convenience. The seller recently updated the HVAC system (just two months ago) and has lovingly cared for the home, giving you peace of mind and a truly move-in-ready experience. All this, just minutes from Stockbridge Amphitheater, Cochran Park, and Clark Community Park—making it easy to enjoy outdoor fun, local events, shopping, and dining.
Source: FMLS #7644166
Loan details
Neighborhood
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Close stress-free in 45 days, handled start to finish by Roam.
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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.