359 Lafayette Rd Rocky Face, GA 30740
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About this home
Welcome to your private retreat- where everyday living feels like a getaway. Located on just over four (4) private acres of land with a beautifully landscaped front yard, this thoughtfully designed home provides the ultimate privacy with both indoor and outdoor spaces made for relaxing, entertaining, and enjoying nature. This four bedroom home offers stunning hardwood floors throughout with a perfect blend of comfort and style. Step inside to discover a spacious family room with open concept living space featuring custom built-ins on both sides of a stylish framed ship lap gas fireplace with natural stone surround. The expansive windows provide picturesque views of the front lawn while the adjacent dining room overlooks a wooded spacious backyard with double doors leading to a generous 16 feet by 10 feet deck, perfect for entertaining guests while enjoying outdoor space and grilling, yielding the ultimate privacy with a serene and private retreat feel. The heart of the home, the kitchen, is designed with beautifully appointed white cabinetry throughout, gorgeous granite countertops, modern stainless steel appliances and custom recessed lighting. This home features an oversized primary suite on the main level of the home with large closet and full en suite bathroom complete with double vanity, brushed nickel fixtures and ceramic tile. A dedicated laundry room just off the primary suite, offers plenty of space for storage. The two additional generously sized bedrooms with spacious closets, share a well-appointed full bath. Moreover, on the second story of the home, you will discover a bonus room that provides a multi-purpose use, yielding flexibility as a fourth (4th) bedroom, home office, or teen suite. Awaiting you outside, you will find even more. In the front yard is the unique charm of wooded spaces with a custom pea gravel fire pit with a shaded sitting area under mature trees. As if this this not enough, steps away from your attached two car garage to the side of the home is a 40 foot by 40 foot free standing building complete with four commercial grade oversized garage doors that can serve as additional storage, a separate workshop and ample parking for additional automobiles, ATV's, RV and Boats. Whether you're hosting guests, working remotely, or looking for a peaceful escape, this home has everything you need- and more!
Source: GAMLS #10604021
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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.