Get ready to fall in love with this showstopper of a home in one of Villa Rica's most sought-after neighborhoods! This stunning seven-bedroom, five-and-a-half-bathroom residence brings together exceptional quality construction and brilliant design across three gorgeously finished levels. Step inside and let the luxury vinyl plank flooring guide you through the main living areas. A versatile flex space near the entry is just waiting for your creative vision—perhaps a sophisticated sitting room or the home office you've always wanted? The kitchen is where the magic happens, boasting a generous island, gleaming granite countertops, a walk-in pantry, gas stovetop, and double wall ovens that'll make you actually want to cook dinner. The dining room wows with elegant coffered ceilings, while the family room beckons with a cozy gas fireplace. Step right out onto the deck from the main living area for seamless indoor-outdoor living. A convenient main-level bedroom, full bathroom, and laundry room complete this thoughtfully designed floor. Upstairs, the expansive primary suite is your personal sanctuary, complete with a relaxing sitting area, dual walk-in closets, and a spa-inspired bathroom featuring a separate tub, walk-in shower, and double vanity. Three additional bedrooms, two full bathrooms, and a flexible loft space mean everyone has room to spread out. But wait—the fully finished basement is where this home really shines! This complete in-law suite includes a spacious primary bedroom with an oversized walk-in closet and a primary bathroom featuring a stepless shower. You'll also find an additional bedroom, half bath, full kitchen with eating area, living room, and private laundry. Walk out to an enclosed patio with lighting and ceiling fan—your year-round relaxation spot. Also featured is a fully fenced backyard perfect for catching a frisbee with Fido or a football with friends. This extraordinary home is perfect for multi-generational living or welcoming extended guests in style. Don't miss out—schedule your private tour today!
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.
