94 Big Jim Dr Cleveland, GA 30528
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About this home
Price Reduced on this charming three-bedroom, two-bathroom home nestled in the scenic hills of Cleveland, Georgia!!! The property features a freshly updated exterior that creates an impressive first impression and eliminates the need for immediate outdoor maintenance. This thoughtfully designed home offers incredible potential for interior personalization with its solid foundation already established. The home showcases a rock fireplace in the family room, creating a cozy focal point for gatherings. The separate primary suite provides privacy with its en-suite bathroom and spacious walk-in closet. The eat-in kitchen flows seamlessly into daily life, while the convenient mudroom and laundry area off the kitchen includes an exterior door for easy access. Step outside to explore the expansive wooded lot where nature becomes your backyard playground. A small creek meanders through the back of the property, creating a tranquil soundtrack perfect for morning coffee or evening reflection. The mature fig tree adds charm and seasonal fruit to the landscape. The back deck provides an ideal spot for entertaining or quiet contemplation. Adventure seekers will appreciate being just thirty minutes from Blairsville, Hiawassee, and Dahlonega, offering access to mountain recreation, local dining, and community events. The location puts you within easy reach of stocked trout streams, making it an angler's dream come true. The two additional bedrooms share a full bathroom, making this layout perfect for families or guests. The interior offers a blank canvas ready for your personal touches and creative improvements. This unique property combines rural tranquility with practical convenience, offering the best of both worlds for those seeking a mountain retreat with character and potential. (This home was originally listed for sale with the property next door which is now being sold separately)
Source: GAMLS #10588183
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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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