4452 Orchard Grove Dr Auburn, GA 30011
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About this home
Welcome to this stunning ranch-style home in the highly sought-after Orchard at Mill Creek community, ideally located just minutes from I-85, Chateau Elan, and top-rated Mill Creek schools. This thoughtfully designed residence features 4 spacious bedrooms and 3.5 bathrooms, including a versatile upstairs loft with a full bath, perfect as a fourth bedroom, media room, or home office. The open-concept layout boasts a seamless flow from the elegant dining area with coffered ceilings to the spacious family room and gourmet kitchen. The kitchen showcases granite countertops, stainless steel appliances, a large island, and a cozy keeping room. This home is ideal for entertaining or relaxing with family. Hardwood floors extend throughout the main living areas, with plush carpet in the bedrooms and tile in all bathrooms. The oversized owner’s suite is tucked away for privacy and includes direct access to the covered back patio, a luxurious en-suite bath with double vanities, a tiled shower, soaking tub, and a generous walk-in closet. Two secondary bedrooms share a convenient Jack-and-Jill bathroom on the opposite side of the home. This home also features a stylish mudroom, laundry room with storage, and a side-entry two-car garage. Outside, enjoy the covered patio and level backyard, perfect for outdoor gatherings.
Source: FMLS #7644496
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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.