3423 Mulberry Lane Ct Dacula, GA 30019
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About this home
Back on the market due to no fault of the Sellers! Newly repainted interior and new flooring! This five-bedroom, four-and-a-half-bathroom house offers approximately 4,015 square feet of living space. The home features hardwood floors throughout the main floor, as well as crown moldings that add an elegant touch. A fireplace in the living rom area provides a cozy ambiance while the high ceilings create a spacious and airy atmosphere. The kitchen boasts granite countertops, providing ample preparation space. The abundance of cabinets and cabinet space ensures ample storage options. The central island offers additional counter space and can serve as a gathering area or casual dining spot. An enclosed porch provides a tranquil retreat, while the partially finished basement includes The basement has a half bath and two finished bonus rooms that can be used as a media center, workout area, playroom, etc. Additionally there is a finished game room complete with pool table and additional storage rooms. The oversized primary bedroom provides a comfortable and private retreat, with ample room for furnishings and personal items. It is close to the highway for easy access, close to schools, restaurants and shopping. The seller has an assumable 2.25% VA loan.
Source: GAMLS #10549882
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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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