421 Golden Oaks Dr Hixson, TN 37343
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About this home
A Home Designed for Comfort, Flexibility, and Family Life — in the Heart of Hixson Welcome to this beautifully crafted 3-bedroom, 3.5-bath multi-level home, offering just under 3,200 sq. ft. of thoughtfully designed living space on a peaceful lot under an acre. Built for comfort, privacy, and flexibility, every level invites connection, relaxation, and room to grow. From the covered front porch, step into a bright interior with hardwood floors, crown molding, and sun-filled rooms. Formal living and dining areas create an inviting setting for gatherings, while the kitchen opens to the family room anchored by a cozy fireplace. A cheerful sunroom with skylights overlooks the back deck, offering a tranquil space for morning coffee or evening unwinding. Upstairs, the master suite serves as a private retreat with a spacious layout and large bath. Secondary bedrooms are generously sized and thoughtfully set apart, giving each family member comfort and privacy. The finished lower level makes this home truly special. With its own bedroom, full bath, kitchenette, living room, and sitting area, it functions perfectly as an in-law or teen suite. Private access is available through the 2-car garage, separate exterior entrance, and walkout to a lower deck. Life here means more than enjoying the home itself—it's about being part of vibrant Hixson. Families value the well-regarded Hamilton County schools, and everyday conveniences are minutes away with Northgate Mall, shopping, dining, and CHI Memorial Hospital close by. For outdoor enthusiasts, Greenway Farms offers trails and kayaking, Chester Frost Park provides lakefront recreation, and golf, parks, marinas, and the Tennessee River are all nearby. Quick access to downtown Chattanooga brings the perfect blend of suburban tranquility and city convenience. Copy & Paste in for your browser ! - https://view.ricoh360.com/38f9f4bc-d6ea-4dcf-b7b2-caf994520667 Also for a Video Tour - https://vimeo.
Source: REALTRACS #3006968
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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.