2465 Spring Dr SE Smyrna, GA 30080
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About this home
Don’t miss this exceptional opportunity to own a thoughtfully updated home featuring energy-efficient solar power—a smart investment that offers substantial long-term savings. Special opportunity for qualified Veterans: This property includes an assumable VA loan at a remarkable 2.9% interest rate, providing significant financial benefits. Inside, the open-concept layout creates a seamless flow from the welcoming living room to a designer kitchen, beautifully appointed with granite countertops, a large island with pendant lighting, stainless steel appliances, and soft-close Shaker-style cabinetry. Bamboo wood flooring enhances both dining areas, making the space perfect for everyday living and entertaining. The primary suite offers a spacious walk-in closet and a modern en-suite bath with dual vanities and a tiled shower. Throughout the home, you'll find fresh interior paint, updated interior and front doors, newer ceiling fans, smooth ceilings, and plush carpet in the bedrooms. Hardwired smoke detectors offer added peace of mind. Step outside to a large, fenced backyard that includes a barn-style utility shed for extra storage. The covered patio is ideal for relaxing, while the pebbled firepit area invites you to entertain guests in style. Situated within walking distance of outstanding local dining, shopping, and entertainment— including Battery Atlanta and Truist Park—this home offers both comfort and convenience in one of the area’s most desirable locations. This is your chance to own a move-in ready, energy-efficient home in a prime location. Schedule your private showing today.
Source: FMLS #7612208
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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.