Nestled in the heart of historic downtown Greenville, this distinguished 4-bedroom, 3.5-bath home with a dedicated office offers a rare blend of character, space, and unbeatable location. Stroll just steps to the charming shops and restaurants surrounding the courthouse square - and come home to a private retreat that truly feels like a world of its own. The main level is where life happens. The master suite on main offers ease and privacy, while three additional bedrooms provide comfortable space for family or guests. A dedicated office with its own separate entrance directly onto the front porch adds exceptional flexibility - ideal for working from home, seeing clients, or keeping work and living neatly apart. A gracious dining room sets the stage for memorable family gatherings, and the kitchen features room for casual eat-in dining as well. A Jack-and-Jill bath connects two of the main-level bedrooms, with additional bath access rounding out the thoughtful layout. Soaring 11-foot ceilings lend an open, airy grandeur throughout, and three decorative fireplaces add warmth and architectural character to the living spaces. Upstairs, a spacious bonus room with multiple closets and its own private bath offers tremendous versatility - whether you envision a game room, media room, guest retreat, or something entirely your own. Recent updates give buyers peace of mind: a brand-new HVAC system has just been installed, all downstairs windows were replaced in May 2025, upstairs windows in 2015, and the home features updated 150-amp electrical service. Outside, a serene water feature, a fire pit for evening gatherings, and a storage shed complete this exceptional property. The location is as practical as it is picturesque. Commuters will appreciate being just one hour from Hartsfield-Jackson Atlanta International Airport, 30 minutes to LaGrange, and 40 minutes to Newnan - making this an ideal home base for those who want small-town living without sacrificing accessibility.
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.
