301 Hidden Oaks Dr Flintstone, GA 30725
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About this home
Yabba Dabba Do! Welcome to Flintstone! Beautiful North Georgia home in the desirable Stanford Place neighborhood, this property boasts stunning front porch views of Lookout Mountain and a thoughtfully designed floor plan. The main-level owner’s suite features a trey ceiling, walk-in closet with custom shelving, double granite vanity, whirlpool tub with tile surround, and a spacious 4x3 shower with framed glass door. The open concept layout includes a vaulted fireside family room with hardwood floors and tile surround fireplace, a bright dining room with an updated light fixture, and a chef’s kitchen complete with granite countertops, tile backsplash, working island, new appliances, and tile flooring. Hardwood floors continue throughout the main level, with a convenient powder room just off the foyer and large laundry room off kitchen. Upstairs offers an open hardwood stairway with chairlift for convenience, two bedrooms, a full bath with tile surround tub/shower, and a versatile finished bonus room over the garage that could serve as a fourth bedroom. The full unfinished basement provides flexible space for a future rec room, storage, workshop, or potential in-law suite. Outdoor living is easy with a covered back deck, cobblestone patio, fenced yard, and a peaceful wooded backdrop. Additional highlights include updated fixtures throughout and a two-car garage with automatic openers. Perfectly nestled near several popular attractions, you’ll enjoy easy access to Rock City, Chickamauga and Chattanooga National Military Park, Ruby Falls, the Tennessee Aquarium, the Chattanooga Choo Choo, and outdoor destinations like Cloudland Canyon State Park and Lake Winnepesaukah. (Roof 7 yrs old) (Water Heater 1 yrs old) (New Fence) (Public Sewer/Water/High speed internet) Special Buyer Incentives Available! Take advantage of the Buy Before You Sell Program, enjoy a one-year temporary rate buydown (1% below market rate) OR a closing credit at no cost to the buyer, courtesy of Mark Baker/SWBC Mortgage.
Source: FMLS #7641405
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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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