Turnkey Homestead | 13 Unrestricted Acres | Workshop | Greenhouse | Business Opportunity | Minutes to Downtown Dahlonega Welcome to your future turn key homestead equipped with a custom made greenhouse, fruit trees, a fenced in garden with raised bed and annual fruits that grow every year ! And also beautiful flowers. You will also find thousands of wild blackberries on the property. Another added bonus is a massive detached garage and a workshop and walk in cooler to run a business as well as a hidden cabin in the woods. This property is covered with beautiful wildlife that visit you daily. You will Discover the perfect blend of rustic charm, modern comfort, and rich North Georgia history with this beautiful country cabin nestled on 13 unrestricted acres. Steeped in historic gold mining heritage, this one-of-a-kind property offers endless possibilities for full-time homestead living, a private retreat, a venue, the list goes on. Ideally located just minutes from the University of North Georgia and vibrant downtown Dahlonega, you'll enjoy easy access to shopping at the North Ga. Outlet Mall, Publix and Home Depot as well as extensive options for dining, entertainment, and local wineries while still experiencing the peace and privacy of your own mountain estate. You are only 15 min from the adored Hallmark Christmas in downtown Dahlonega. Take in breathtaking views from the expansive wraparound porch, complete with an outdoor kitchen-perfect for entertaining or simply relaxing in the beauty of nature. A favorite of the owner is the birds that sing daily as she sits on the rocking chairs. Inside, the open-concept main level features abundant natural light, custom inlaid flooring, a cozy gas fireplace, and soaring vaulted tongue-and-groove ceilings that create a warm, inviting atmosphere. The thoughtfully designed kitchen offers custom birch cabinetry, generous counter space, and seamless flow into the spacious dining area and great room, making gatherings with family and friends effortless. The main-level primary suite provides private porch access and a beautifully appointed ensuite bath featuring a custom double vanity, designer fixtures, and a walk-in shower. A second bedroom and full bath on the main level offer comfortable accommodations for guests. Upstairs, two additional spacious rooms offer incredible flexibility for bedrooms, home offices, a media room, game room, or fitness space. Outside, the possibilities continue with an impressive 30' x 40' workshop and a 25' x 50' covered RV/camper carport equipped with both power and water. Tucked deep within the wooded acreage, a charming historic hunting cabin invites you to experience the property's fascinating gold mining past. The property has a fenced in area that contains a custom-built greenhouse with raised beds including a watermelon patch and a beautiful variety of flowers . You also have your very own orchard of Apple, Pear, Peach and Plum trees. There is a fully equipped shed with running water and electric that was used as a floral and event business and a large cooler system to store flowers or anything you may desire. This is perfect for anyone wanting to run a business on the property. Additional features include a whole-house 7,000 kW auto-start generator for added peace of mind. Whether you're seeking a private mountain retreat, hobby farm, recreational property, events venue, or forever home, this extraordinary unrestricted acreage offers the rare opportunity to own a truly special piece of North Georgia history.
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.
