28 Hickory Trl Temple, GA 30179
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About this home
STOP THE CAR!! YOU SHOULD SEE THIS REMODELED BEAUTY!! This home is on a quiet dead end street and just minutes to everything!! This home was totally remodeled less than 4 years ago and has excellent curb appeal! Remodeled items include: HVAC, Metal Roof, Gutters, Countertops, Cabinets, Appliances, LVP Flooring, Interior and Exterior Paint, Vinyl Windows, Exterior Doors, Hot Water Heater, All Plumbing and Electrical Fixtures, and more! Gorgeous LVP floors span the entire house as you enter the living room and kitchen, complete with granite countertops, subway tile backsplash and stainless steel appliances. Enjoy the electric fireplace that puts out three levels of heat and is adorned by a custom cedar mantle and ship lap wall. All bedrooms feature custom sliding barn doors covering the closets and all other doors through the home have been updated with custom trim for enhanced aesthetics. The master bedroom features a full bath with a tiled shower including built-in shower seat and toiletries shelf. The guest bathroom has also been remodeled with new plumbing fixtures and granite countertops. Enjoy the custom covered side porch with tongue and groove ceilings, exposed beams, and an uncovered area perfect for safe grilling. The large back yard overlooks a stocked fishing pond and includes some water frontage on the property. Covered parking is provided with a custom-made "timber kit" carport with exposed cypress beams and nicely stained tongue and groove ceilings. Don't wait or this beauty will be gone!!
Source: FMLS #7673774
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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.