COMMUTER’S DREAM & MODERN COMFORT IN 30044! Welcome home to 1732 Paladin Drive, a stunningly maintained traditional residence that perfectly balances suburban tranquility with unmatched urban accessibility. Strategically located just minutes from both Hwy 316 and I-85, this home is a commuter's paradise, offering a seamless drive to downtown Atlanta, the Gwinnett Place area, and the Mall of Georgia. MAIN LEVEL: OPEN-CONCEPT LIVING Step inside to a light-filled foyer that opens into a spacious, airy floor plan featuring soaring 9ft+ ceilings. The heart of the home is the expansive fireside family room, where large windows invite an abundance of natural light to dance across the room. Whether you are hosting a holiday gathering or enjoying a quiet Tuesday night, the seamless flow between the living area and the kitchen ensures you are always part of the conversation. The kitchen is designed for both function and style, featuring a convenient breakfast bar, ample cabinetry, and a pantry. UPPER LEVEL: RETREAT & VERSATILITY The second floor is a true standout, headlined by a versatile open loft. This flexible space is the "bonus" every modern buyer craves—ideal for a secondary media room, a playroom, or a high-end home office. The Primary Suite serves as a private sanctuary, boasting a elegant tray ceiling and a spa-inspired ensuite bathroom. Unwind in the deep garden tub or enjoy the convenience of the double vanity and separate walk-in shower. Two additional generously sized guest bedrooms and a second full bath ensure plenty of room for family and visitors. OUTDOOR LIVING & LOCATION Situated on a lush 0.22-acre lot, the backyard offers a private canvas for your outdoor dreams—perfect for summer grilling, gardening, or a play area. Living in the established community of Madison Landing means you are in the center of it all: top-tier Gwinnett County schools, local parks, and a vibrant array of shopping and dining are all within reach. This home is move-in ready and waiting for its next chapter. [OWNER IS A LICENSED REAL ESTATE AGENT IN THE STATE OF GEORGIA]
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.
