3045 Pleasant Valley Trl, Cumming, GA 30028
5 beds · 4 baths · 4,038 sqft
Amazing cul-de-sac home is now on the market and move-in ready! As an added bonus, the seller’s mortgage is ASSUMABLE at a rare 2.75% interest rate – what an incredible way to save hundreds on your monthly payments! This is more than just a house – it’s a home where comfort, warmth, and style come together to create a sanctuary you’ll never want to leave. Thoughtfully designed with your family in mind, this stunning, like-new two-story home is packed with beautiful upgrades and architectural details that speak to the care and attention the owners have put into every corner. From the wainscoting and coffered ceilings to the shiplap, beams, pristine hardwood floors, and custom built-ins, you’ll notice the special touches that make this home unique. The moment you step inside, you’ll feel embraced by the spacious, open floor plan, which invites natural light to pour in from every direction. The streamlined gourmet kitchen is the heart of the home, designed to inspire the chef in all of us! Custom lighted cabinets that reach to the ceiling, sparkling Calcutta Quartz countertops, top-of-the-line appliances, and an oversized island will make every meal prep a joy. And when it’s time to gather around the table, the kitchen opens seamlessly into the cozy keeping room, where one of two fireplaces sets the perfect mood for family moments.The separate dining room, large enough for memorable family get-togethers or quiet evening meals, adds even more charm and functionality. The living spaces flow effortlessly from room to room, with a balance of modern finishes and warmth that make it feel like home. On the main floor, you'll find a thoughtfully placed bedroom and full bath – ideal for guests, multi-generational living, or anyone who craves a bit of extra privacy. Upstairs, the home continues to impress with 4 generously sized bedrooms and 3 full baths, all featuring upgraded carpets that feel soft and inviting underfoot. The expansive master suite is your personal retreat, complete with a sitting area where you can enjoy your morning coffee or evening quiet time. The spa-like master bath offers separate vanities, a soaking tub to melt your cares away, and a large walk-in closet you’ll love.The upstairs also features a media room ready for laughter, movie nights, and unforgettable family memories. An office nook provides a peaceful corner to focus or unwind, making this the perfect home for any lifestyle. Freshly painted inside and out, this home sits on a large corner lot in a peaceful cul-de-sac, providing both privacy and a sense of community. The beautifully landscaped, fenced backyard is a true extension of the home, offering a safe space for children to play, pets to roam, and family to gather. Picture weekend barbecues, morning coffees on the patio, and making memories in your own private oasis. As a resident of Pleasant Manor Estates, you’ll have access to a sparkling pool, just a few steps away – perfect for relaxing and enjoying the warm summer days. This isn’t just a house – it’s a place where memories are made, where your family can grow, laugh, and live life to its fullest. It’s a home that will provide comfort, joy, and a sense of pride every time you walk through the door. Don’t miss this opportunity because, if you listen carefully you can hear this home is calling your name!
Source: FMLS #7494839
Interest rate and monthly payment estimated based on public records.
Source: FMLS #7494839
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
MLS ID: #7494839
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.