76 White Oak Dr Blue Ridge, GA 30513
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About this home
Southern Charm Meets Modern Luxury in This Expansive Brick Estate! Welcome to this stunning 6,000+ sq ft Traditional Southern brick home, perfectly nestled just minutes from town on a beautifully wooded lot. With timeless curb appeal and thoughtful updates throughout, this property offers the perfect blend of character, comfort, and convenience. Enjoy summer days by the gorgeous saltwater pool, newly updated in 2021 and framed by a custom brick courtyard and elegant gazebo-ideal for entertaining or relaxing in your own backyard oasis. Step inside to find a huge chef's kitchen featuring granite countertops, a spacious island, double ovens, and plenty of room for gathering. The open layout flows into generous living areas with 3 expansive bedrooms as well as 2 bonus rooms that would be perfect for an office or playroom. You'll also love the new tile floors and smart features like an internal central vacuum system. The main floor primary ensuite has a stylish bathroom with double vanity sink and large soaking tub. It also offers a luxurious double primary closet you have to see to believe. Upstairs you'll find living quarters fit for a king. The entire floor has been thoughtfully designed as a bedroom with private full bathroom to ensure plenty of privacy, space and functionality. The fully finished basement offers its own living area, kitchen and private entrance, making it a perfect in-law suite or income-producing space. Additional highlights include: New roof (2024) with Leaf Filter gutter guards New HVAC (2024) for year-round comfort 2-car garage with ample storage Beautiful front porch with classic columns and dormer windows Over 6,000 sq ft of living space designed for function and style RV hookup Schedule a showing today to make this dream home yours!
Source: FMLS #7662076
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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.