Perfectly positioned in sought-after West Athens, this expansive, renovated ranch delivers everyday convenience just minutes from Epps Bridge's shopping, dining, and the Hwy 316 corridor. Thoughtfully custom designed with extra-wide hallways and doors for enhanced accessibility, the home seamlessly blends comfort with functionality. Freshly updated with ALL-new exterior paint and trim, along with a brand-new rear deck, the home pairs polished curb appeal with easy outdoor living-all set against a serene, wooded backdrop highlighted by a gently flowing creek. Welcoming you inside, an oversized foyer unfolds to a central great room, setting the tone for the home's generous scale. Durable hardwood floors flow throughout the main living areas, while all-new waterproof luxury vinyl floors in the bedrooms and fresh tile in the bathrooms provide both style and function. Refreshed end-to-end, the interior offers new paint throughout, an all-new light fixture and recessed lighting package, and a new HVAC (less than 6 months old). Designed for both entertaining and everyday living, the formal dining room is drenched in natural light from a bay window and easily accommodates gatherings of eight or more. Just beyond, the massive kitchen truly serves as the heart of the home-boasting new quartz countertops, a crisp subway tile backsplash, an all-new dishwasher, all-new stove/oven, and an abundance of cabinetry that ensures no shortage of storage or prep space. A spacious breakfast room offers additional seating and flexibility, easily doubling as a cozy keeping room. Continuing the theme of generous proportions, the oversized laundry room doubles as a mudroom with ample cabinetry and workspace. Tucked down the left wing of the home, three perfectly sized bedrooms provide comfortable accommodations, complete with updated ceiling fan light fixtures and ample closet space. Set apart by its space and serene views, the primary suite offers a true retreat within the home. Privately positioned and accessed through double doors, this spacious haven is complemented by a beautifully updated ensuite bath featuring a frameless tiled shower, refined custom finishes, and thoughtfully designed closet shelving for optimal organization. Outdoors, the setting delivers a peaceful, woodland-inspired escape with mature trees creating a shaded canopy over the backyard, all gently bordered by a serene creek-offering a rare sense of privacy and natural beauty in such a convenient West Athens location. Whether enjoying quiet mornings on the new deck or hosting gatherings in the expansive living spaces with ease, this property provides a well-rounded lifestyle of space, updates, accessibility, and thoughtful design.
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.
