Welcome to 102 White Columns, where timeless Southern elegance meets modern comfort. Nestled in one of the area's most desirable neighborhoods, this stunning 6-bedroom, 3.5-bath home offers over 3,800 square feet of beautifully designed living space on a generous 1/2-acre lot. Homes in White Columns rarely come available-making this a truly special opportunity. Step inside and be greeted by a bright and inviting foyer flanked by a formal dining room and formal living room-perfect for holiday gatherings, entertaining guests, or creating a private home office. The spacious eat-in kitchen is the heart of the home, offering ample cabinet space and a cozy breakfast area where mornings begin with natural light streaming in. This home is designed with versatility in mind, featuring two primary suites to accommodate a variety of living needs. The first primary suite is located on the main level, offering convenience and privacy with a spacious bedroom, walk-in closet, and en-suite bath. A second suite upstairs provides flexibility for multi-generational living, a teen retreat, or an ideal guest space. With six bedrooms in total, you'll have all the room you need for family, hobbies, or working from home. Enjoy the flow of open yet defined living spaces-whether it's gathering in the family room, hosting dinner in the formal dining area, or unwinding on the back patio overlooking the large backyard. The half-acre lot offers endless possibilities: outdoor entertaining, play space, or simply a peaceful retreat to enjoy Georgia evenings. Beyond the home itself, White Columns is known for its well-established character, manicured lots, and unbeatable location. With easy access to shopping, dining, schools, and major roadways, you'll love the blend of convenience and community this neighborhood provides. Don't miss your chance to own this rare gem in White Columns-where space, comfort, and location come together in perfect harmony. Schedule your private showing today and see why homes in this neighborhood don't stay on the market for long!
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.
