4575 Sunflower Cir Cumming, GA 30040
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About this home
Welcome to this stunning, nearly new single-family home in the highly desirable Bramblett Grove neighborhood, located within the top-rated Forsyth County School District. This thoughtfully designed home features an open-concept floor plan perfect for modern living. The main level offers a flexible space ideal for a home office or formal sitting area, along with a guest bedroom and full bathroom, making it perfect for multi-generational living or visitors. Upstairs, you'll find a generous loft area, a large owner's suite with a walk-in closet and private bath, plus three additional bedrooms and another full bathroom. This home is filled with upgrades, including a rear sliding glass door with built-in blinds that opens to a large, fenced backyard, ideal for entertaining or relaxing. Smart home features include smart thermostats, smart light switches in the kitchen, living room, office, and stairs (with dimmable lighting in the kitchen), a smart garage door opener, and a security system complete with a smartlock and a driveway camera/floodlight. Additional highlights include soft-close cabinets and upgraded door hardware throughout the home, a five-zone irrigation system with smart controller, custom trim lighting around the entire home, low-maintenance rock pebble landscaping in the flower beds, and even a robot lawn mower for the backyard. Residents of Bramblett Grove enjoy fantastic community amenities, including a neighborhood pool, playground, and tennis courts. With its smart features, designer upgrades, and unbeatable location, this home offers a rare opportunity to enjoy both convenience and comfort in one of Cumming's most sought-after communities.
Source: GAMLS #10630135
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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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