Located in Six Hills, one of Milton’s most sought-after neighborhoods offering notable walkability to Downtown Crabapple, this gracious residence welcomes you with a charming covered entry and a deep, wraparound front and side porch. Beautiful stonework on the façade is echoed in the low stone wall that frames the circular driveway. Double doors open to a two-story foyer that leads naturally into an elegant dining room with oversized molding, large windows and double French doors that open to the covered front porch. The formal living room features heart pine floors, a masonry fireplace flanked by built-in bookcases, a beamed ceiling with a chandelier and picture windows with plantation shutters overlooking and opening directly to the on-grade backyard, creating effortless indoor-outdoor entertaining. The gourmet chef’s kitchen features white cabinetry, an oversized island with seating, thick granite slab countertops and professional-grade stainless steel appliances, including a double oven and a warming drawer. The kitchen opens into an inviting keeping room with a cathedral ceiling, a beamed wooden ceiling and a floor-to-ceiling stacked-stone fireplace with flanking doors that also open to the on-grade backyard oasis and pool, enhancing the home’s exceptional flow. Just off the kitchen sits a breakfast room with stacked-stone accents and French doors opening to the side porch. An adjacent mudroom offers storage cubbies, a built-in desk in an office nook and a laundry room. A handsome study at the end of the hallway features judges molding, built-in bookcases, a coffered ceiling, French doors to the outdoors and a fireplace with a marble surround. A half bathroom completes the main level. Iron railings line the staircase leading upstairs, where the pine floors continue into the primary suite. This tranquil retreat includes a spacious bedroom with a sitting area and a cozy stone fireplace. The en suite bathroom offers separate vanities, a morning kitchen, a TV hook-up, a freestanding bathtub and a large shower with multiple showerheads, a bench and a product niche. A large walk-in closet with custom-built features completes the suite. Three additional bedrooms each enjoy cathedral ceilings, high-end trim work and their own en suite bathrooms. The terrace level provides exceptional additional living space with a large family room featuring a stone fireplace and built-in storage. A generously sized recreation room includes a bar, slate floors and a beamed ceiling. This level also features a media room, a gym, a tucked-away room perfect for a charming bunk room, a bedroom with an en suite bathroom, an additional bathroom and access to the lower-level covered stone porch. An outstanding bonus of this property is the one-bedroom, one-bathroom in-law suite located above the three-car garage. Situated on 1.4± acres, the property’s outdoor living is equally impressive. A covered patio off the main level features stone floors, a stacked-stone fireplace and a spacious sitting area that opens directly to the grassy play area and the beautiful saltwater pool and spa, complete with multiple waterfalls and a built-in fire pit. Mature landscaping provides both privacy and a picturesque backdrop for year-round enjoyment. The neighborhood of Six Hills features a tennis court, a shared cottage and a community orchard, a rare blend of charm and lifestyle amenities. Set within the award-winning district for Crabapple Crossing Elementary School, Northwestern Middle School and Milton High School, this home enjoys exceptional walkability to Downtown Crabapple and convenient proximity to Downtown Alpharetta and Avalon. 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.