Welcome home to the perfect blend of small-town charm, modern finishes, and an unbeatable walkable lifestyle just one mile to DOWNTOWN BALL GROUND! Nestled on a quiet cul-de-sac lot with a beautiful wooded backdrop, this brand-new home offers peace, privacy, and relaxation while placing you just moments from everything this vibrant town has to offer. One very desirable feature of this home is its easy walkability to downtown Ball Ground — enjoy effortless access to local restaurants, coffee shops, boutiques, community events, and all the hometown favorites without ever worrying about parking. From parades and fireworks to seasonal festivals, live events, and dinner out, this location truly lets you enjoy the best of Ball Ground living. Plus, you’re close to the area’s fantastic parks, trails, and outdoor recreation, making it easy to enjoy an active lifestyle right outside your door. Inside, this thoughtfully designed home features a bright, open floor plan filled with natural light, creating a warm and welcoming atmosphere perfect for everyday living and entertaining. The main level has been beautifully upgraded with luxury LVP flooring throughout, adding both style and durability. The spacious kitchen offers abundant cabinetry, generous prep space, and room for gathering, making it the true heart of the home. Additional thoughtful upgrades include a mudroom feature for everyday convenience, an updated fireplace surround that adds a custom designer touch, and numerous ELEVATED finishes throughout that make this home feel anything but builder basic. The primary suite provides a peaceful retreat, while the additional bedrooms and flexible spaces offer room for guests, a home office, or growing needs. Every inch of this home has been designed with comfort and livability in mind. Step outside and unwind in your private backyard oasis with wooded views, offering the perfect setting for morning coffee, evening relaxation, entertaining friends, or simply enjoying the peaceful natural surroundings. This is more than just a home — it’s a lifestyle opportunity in one of North Georgia’s most charming and growing downtown communities. Walk to downtown Ball Ground. Enjoy the festivals. Skip the parking. Relax in peace. WELCOME HOME!
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.
