Welcome home to this spacious retreat in The Georgian, one of Paulding County's most desirable communities! With nearly every space designed for comfortable living and entertaining, this 4-bedroom, 2 full and 2 half bath home offers plenty of room to spread out and enjoy. The main level is filled with natural light and features durable LVP flooring throughout. At the heart of the home is a large eat-in kitchen complete with granite countertops, stainless steel appliances, breakfast bar seating, and a walk-in pantry with custom shelving—all open to the inviting family room with a cozy gas fireplace. A formal dining room and versatile flex space provide even more room for gatherings, work, or play. Upstairs, the oversized primary suite has its own sitting area and direct access to the balcony porch—perfect for morning coffee or winding down in the evening. The primary bath includes an oversized shower, soaking tub, double vanity, and a custom walk-in closet. Two generously sized secondary bedrooms, a full hall bath, and convenient upstairs laundry complete the level. The finished basement adds an entirely new dimension to the home with a large recreation room, billiard room, additional bedroom, and half bath. Whether you’re hosting game nights, creating a media room, or looking for extra living space, this level delivers. There’s even unfinished storage space with double exterior doors, making it easy to store a golf cart, lawn equipment, or outdoor gear. Outside, you’ll find a private backyard with an extended patio and a creek running along the back of the property. With wooded areas behind the property the backyard is a peaceful, secluded setting. The detached two-car garage offers additional storage space upstairs, giving you plenty of room for hobbies and organization. Major updates have already been taken care of, including a roof that is just 3 years old and a water heater that is 4 years old. Living in The Georgian means access to outstanding amenities, including “The Frog” Golf Course, plus a water park, swimming pool, tennis courts, soccer fields, playgrounds, and more. This is the perfect combination of space, comfort, and community living.
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.
