919 Deer Chase Rd Toccoa, GA 30577
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About this home
*Motivated Seller* Welcome "Home" to the beautiful and highly desired Deer Chase Subdivision with a private swimming pool and creek! Here you are welcomed by a combination of comfort, convenience, elegance and Southern charm! Complete separate living quarters in the basement where you can explore your options to grow your family or add income is an absolute plus. The property is beautifully wooded enough for privacy, yet open to enjoy the hot summer days at the pool and winter nights in the hot tub gazing at the stars. As you drive up to the property you are greeted by a circular driveway. The home opens to a beautiful stairway and high ceilings as you walk in through the front door and offers plenty of natural light throughout. This unique property offers not only 1 master on the main, but two masters on the property. The main floor offers a spacious kitchen, breakfast area or sunroom and a separate dining area with an additional office area or family room and extra half bath. Upstairs you will find 4 large bedrooms and 2 full baths, but that's not all! As you go downstairs from the living room area, you will find a huge full, finished basement with 1 bedroom, 1 bathroom, small kitchenet, living room and family room with a completely seperate entry. Wow! As you walk through the back door you can hear the beautiful sound of nature. Enjoy siting on your patio chairs or relax and unwind in the heated and lighted pool/hot tub even on the breezy nights! Pool was added in 2022. If you enjoy gardening, you can appreciate all the hard work that the previous owner put in and continue your dream of gardening as well. Finishing touches of this property includes an extra garage/workshop on the property, private wooded back yard you can extend your garden or play area while enjoying the creek and the sound of the water feature and fish pond. Seller is moving out of state due to work and is very motivated for a quick and smooth sale transaction. Call today!
Source: GAMLS #10571119
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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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