312 White Pine Trl Suches, GA 30572
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About this home
Million-Dollar Views in the Heart of the Chattahoochee National Forest! Welcome to your dream retreat. This stunning log cabin is nestled in a gated community surrounded by the Toccoa River, offering breathtaking mountain, river, and meadow views. Whether you're looking for a full-time residence or the perfect second home, this property is a rare find. Your arrival is marked by custom iron entry gates engraved with “Toccoa Bend” and the property address. The entire property is fenced in, making it perfect and secure for pets. The roof is only two years old, offering peace of mind for years to come. Step inside to a warm and rustic interior featuring custom live-edge shelving and copper sinks that elevate the charm throughout. The kitchen boasts stainless steel appliances and a counter-height bar that seats eight which is perfect for entertaining. The open concept living room has a beautiful stone fireplace, updated in 2014. Upstairs, you'll find a flex room with mountain views ideal for a home office or lounge. An additional room is ready to be finished as another bedroom (Add a door and a closet to make it a complete bedroom). A full bath on this level makes it versatile for guests and extra sleeping quarters. The fully finished terrace level includes a pool table and a rich design featuring copper and black ceiling tiles, adding a unique touch. As you step right out to the lower deck you will see it is ideal for grilling or building out an outdoor kitchen. A full bathroom on this level ensures comfort while entertaining. Enjoy morning coffee or evening sunsets from the covered wrap-around porch, which connects to the oversized 40x30 2 bay, three-car garage with a workshop area. The garage is fully insulated with spray foam in the walls and ceiling, ensuring energy efficiency and comfort year-round. The concrete driveway offers ample parking for up to 4 to 6 vehicles. There's even an 8x12 shed with electricity ready to become your she-shed, studio, or lawn equipment/storage solution. The Toccoa River is widely recognized as one of Georgia’s premier trout fishing destinations, especially noted for its Trophy Trout Waters section. With a trout license, residents can fish the Toccoa River within the community (catch and release, with 2.5 miles of access!) or enjoy rafting down the sparkling waters. The Toccoa River has been featured in multiple outdoor and fly-fishing magazines over the years as one of the top trout fishing destinations in the Southeast. Nature lovers will be thrilled by the abundant wildlife in the area. Watch deer and wild turkeys roam nearby and keep an eye on the sky as majestic eagles are often seen soaring close to the property. Please note: This is a rental-restricted community for added privacy and peace of mind.
Source: FMLS #7618994
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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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