Private wooded retreat with a pool in the sought-after Rivermont area of Johns Creek. This spacious home offers nearly 5,000 square feet of living space with plenty of room to spread out, entertain, and enjoy both indoor and outdoor living. Step inside to soaring ceilings, abundant natural light, and multiple inviting living spaces. The open flow between the living, dining, and gathering areas makes the home ideal for entertaining or everyday comfort. Custom touches and large windows add warmth and character throughout. The oversized primary suite provides a relaxing retreat with a spacious bath featuring dual vanities, a soaking tub, and a separate shower. Three additional bedrooms upstairs offer flexibility for family, guests. The huge basement is a standout feature—perfect for a family room, home gym, office, or a combination of all three. It adds incredible versatility and extra living space for your family’s needs. Step outside to your own private backyard oasis featuring a pool, waterfall feature, and peaceful wooded surroundings—ideal for relaxing weekends or hosting gatherings. The homeowners have meticulously maintained the property including a brand new 2026 garage system, a new pool heater that was installed in 2024 and much more! All of this in an established community just minutes from top-rated schools, parks, shopping, and dining. A rare opportunity to enjoy space, privacy, and convenience in one of Johns Creek’s most desirable locations.
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.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
