5645 Mountain Top Pl Cumming, GA 30041
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About this home
Seller Offering $2,000 Buyer Concession! *Move-in Ready* If location tops your list, 5465 Mountain Top Place delivers in a big way! Nestled just off GA Hwy 400, this well-maintained home puts you minutes from premium outlets, top-rated schools, Lake Lanier and scenic state parks - offering the perfect balance of convenience and outdoor adventure. Step inside this bright and inviting 3-bedroom, 2.5-bath home where natural light fills every corner. The open-concept main floor features a cozy living room that flows effortlessly into the eat-in kitchen, complete with a view into the family room, ample cabinet and countertop space, and room to gather. Upstairs the spacious master suit boasts vaulted ceilings, walk-in closet and a private master bath with an oversized shower and tile flooring. Two additional bedrooms, a full bath and a conveniently located laundry room complete the upper level. Other highlights include low-maintenance vinyl-siding, attached 1-car garage, sun-filled interior with numerous windows and a private fenced backyard with white vinyl fencing. Enjoy the outdoors year-round under the covered patio overlooking a large, level, and fully fenced backyard - perfect for entertaining, relaxing or letting pets play freely. This charming home combines modern comfort, low maintenance, and an unbeatable location—all at a great value. Whether you’re commuting, shopping, or exploring North Georgia’s natural beauty, this home puts it all within easy reach. Perfect Location Meets Everyday Comfort.
Source: FMLS #7661968
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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.