431 Mount Carmel Church Rd Chatsworth, GA 30705
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About this home
Beautiful RANCH with double master suites! Welcome home to this charming 4 bedroom and 3 full bath home in quaint and quiet Chatsworth. Nestled at the foot of the majestic North Georgia mountains, this home has so much to offer! Walk through the foyer with the modern trim wall and wooden hangers, and into the living room with soaring, vaulted ceilings with wooden beams and abundant natural light. The open concept kitchen, living room, and dining room open up the space to feel grand and spacious while the stacked stone fireplace provides a warm and cozy atmosphere. The kitchen has brand new granite countertops with all new stainless-steel appliances. The large island allows for extra workspace or an extra place to gather. Take your pick of the two large master suites, both with their own bathrooms and large walk-in closets. The first master has a jacuzzi tub and separate shower, while the second has a large, tiled shower, double vanity, and its own private entrance. The home has a brand new 3 ton HVAC installed 9/25, all-new interior paint, brand new easy to care for LVP, upgraded faucets and sinks, and some upgraded light fixtures. Go outside to a backyard that can be a haven for relaxing or entertaining. Just imagine! This fall, grab a drink and soak in the jacuzzi while in the privacy of your own backyard. Next summer, get the pool ready for a summer full of fun in the sun! Sellers will provide an allowance for a new pool liner. The property has a 12x12 storage shed and mature fruit trees! Will qualify for FHA after 11/8/2025
Source: FMLS #7653400
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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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