Gardeners Delight! Discover refined living at its best in this charming two-story home nestled in the heart of Great Sky. A grand two-story tray-ceiling foyer greets you with warmth and elegance, leading to beautiful hardwood floors that grace the main and upper levels throughout. The heart of the home features a stylish kitchen with stainless steel appliances, granite countertops, and a large center island ideal for casual meals or effortless entertaining. A main-level guest suite with en-suite bath provides exceptional versatility for visitors. A dedicated office with custom built-ins provides the perfect quiet workspace, while two inviting fireplaces add cozy charm on crisp evenings. The luxurious master bath offers a true spa-like escape, and the four generous bedrooms with three full baths provide ample space and flexibility. Outside, your private fully fenced backyard is a gardener's dream and a peaceful retreat, beautifully planted with vibrant flowers, lush bushes, and thriving fruit trees. Boasting one of the largest and most usable backyards in Great Sky, this private fenced oasis offers the perfect amount of gentle sunlight for gardening, expansive level areas for easy maintenance and play, and beautiful terraced landscaping featuring a brick retaining wall with sweeping rock-and-brick stairs that create an elegant, multi-level oasis perfect for enjoying the outdoors in style. Seller will provide a one-year home warranty at closing for the buyer's peace of mind. Great Sky is one of Canton's most desirable master-planned communities, where you'll enjoy access to resort-style amenities including community pools, pickleball and tennis courts, scenic trails, and nearby lake adventures. As a resident of this coveted community, you also enjoy exclusive access to the Reservoir, where you can spend afternoons kayaking or exploring the natural beauty of the area. Zoned to the brand-new Cherokee High School, a stunning, state-of-the-art $200 million campus opening August 2026, featuring 500,000 sq ft of modern facilities, 152 classrooms, 1,000-seat auditorium, and a 4,500-seat stadium. Just minutes from your door in Great Sky, this flagship school represents one of the largest investments in Cherokee County education history. Sophisticated details and a serene private setting come together to create the perfect blend of comfort and lifestyle. Don't miss your opportunity to call this special home yours.
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.
