A top-floor corner all to yourself - a true stand-alone end unit, this sun-drenched one-bedroom condo offers sweeping treetop vistas and glowing afternoon sunlight. It's an intimate retreat in the heart of Midtown/Morningside - a place where the energy of the city meets the calm of a tucked-away community, all within steps of the BeltLine, Piedmont Park, neighborhood parks, restaurants, and shopping. Inside, the home unfolds with an airy, open layout that seamlessly blends the kitchen, living, and flexible dining/workspace areas. The kitchen features granite countertops, a stainless-steel refrigerator, and a gas stove - perfect for everything from quick weeknight meals to hosting friends. For those who prefer a more contemporary lifestyle, the designated dining area easily doubles as a stylish work-from-home setup, while the countertop offers a convenient spot to pull up seating for casual dining. French doors open to an oversized screened-in porch, extending the living space outdoors and creating a private retreat for morning coffee, breezy afternoons, or relaxed evenings with friends. This inviting outdoor room truly expands the home's footprint, offering a fluid connection to the surrounding greenery. Thoughtful updates and modern touches elevate the everyday: new bedroom carpet and ceiling fan, a touchless stainless-steel kitchen faucet, showerhead, garbage disposal and fresh interior paint throughout. Roman shades, a Ring doorbell, and a HEPA air purifier add comfort and convenience. Storage is smartly integrated with a generous walk-in closet, a utility closet, and additional bathroom shelving designed to keep essentials beautifully organized. The community is pet-friendly, welcoming your four-legged furry friends. Carlyle Heights places you at the crossroads of two of Atlanta's most beloved neighborhoods. From here, you're just moments from the Northeast Beltline Trail, Piedmont Park, the Atlanta Botanical Garden, Virginia-Highland, and an array of local restaurants and shops. Enjoy the charm of Morningside's tree-lined streets, winding sidewalks, and pocket parks - ideal for walking, running, or biking. Commuting is effortless with quick access to major interstates, the Buford Highway Connector, Emory University, and the CDC, making daily travel smooth whether you're heading to work, the airport, or exploring the city. This is intown living at its most comfortable and connected with the best of Atlanta right outside your door. Transferrable home warranty for a nominal fee. The Community has recently completed exterior breezeway repairs, new roof, stairs, railings, and updated exterior facade renovations. The Seller is current on all assessment fees and will pay the balance at or before closing.
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.
