8476 Standifer Gap Rd Chattanooga, TN 37421
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About this home
Welcome to a place where everyday life feels just a little more special. Nestled in the charming Lakes at Standifer community in the sought-after location of East Brainerd, this lovingly cared for 3-bedroom, 2.5-bath home invites you to slow down, settle in, and truly feel at home. Built in 2018 and thoughtfully maintained, this home was designed for both connection and comfort. From the moment you arrive, the welcoming curb appeal and inviting front entry make it clear—this isn't just a house, it's a place where memories are waiting to be made. Inside, you'll find a bright, open-concept living space where the natural light dances across the floors and laughter from the kitchen carries easily into the living room. Whether you're hosting friends for dinner or enjoying a quiet night in, this home flexes effortlessly to match your mood and your needs. The kitchen is as functional as it is beautiful, with granite countertops, stainless steel appliances, and a breakfast bar perfect for everything from morning coffee to late-night chats. The spacious primary suite is your personal retreat—offering a calm, restful space at the end of each day, complete with a walk-in closet and an en-suite bath designed for relaxation. Upstairs, two additional bedrooms provide cozy, sunlit spaces ideal for guests, children, or a home office. Step outside and take in the breathtaking mountain views from the back porch—a peaceful spot to greet the morning or wind down after a long day. This peaceful space is ideal for hosting barbecues or simply enjoying the fresh air and quiet of your surroundings. Beyond your doorstep, Lakes at Standifer is a truly special community. With its stunning lake as the centerpiece, scenic walking paths, and charming playground, it's the kind of neighborhood where neighbors connect and kids (or grandkids) can play freely. Benches placed thoughtfully around the lake offer peaceful places to sit, reflect, and soak in the beauty of your surroundings.
Source: REALTRACS #2921979
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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.