313 Lucy Ln Carrollton, GA 30117
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About this home
Welcome to your next dream home in The Ridge at Armstrong Crest-one of Carroll County's most desirable neighborhoods! This nearly new home blends timeless charm with modern convenience and offers room to grow with an expansive unfinished basement already stubbed for a full bath-ready for your personal touch. Step inside to warm wood flooring throughout the main level's living areas, creating a seamless flow and cozy ambiance. A flex space on the main floor offers endless possibilities-perfect for a home office, playroom, guest space, or even a fifth bedroom. The kitchen is a showstopper, featuring a stylish mix of white and farmhouse blue cabinetry, gleaming quartz countertops, stainless steel appliances, and an open view into the family room-ideal for entertaining or everyday family life. The adjacent dining room makes a statement with its custom ceiling design and bold feature wall, creating a perfect setting for special occasions. Upstairs, the owner's suite is a true retreat with a tiled walk-in shower and soaking tub to unwind in style. Fresh interior paint and new carpet add a clean, move-in ready feel throughout the home. Three additional bedrooms and a full bathroom are also found upstairs. The fenced backyard offers privacy and tranquility with mature trees lining the rear and newly installed French drains for added peace of mind. Conveniently located near I-20 and just minutes to downtown Carrollton, this home offers easy access to schools, parks, shopping, and dining. Don't miss this opportunity to own a beautifully maintained home with room to grow in a community you'll love.
Source: FMLS #7655755
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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.