This beautifully designed home is perfect for those who love open-concept living and a PRIMARY SUITE ON MAIN. Located in a small, exclusive community within the Harrison High School District, the home welcomes you with a charming front porch and a grand two-story foyer. Just off the entry, the living room or study features vaulted ceilings and large windows that fill the space with natural light. The formal dining room is accented with coffered ceilings and elegant boxed trim, creating a refined setting for gatherings. The gourmet kitchen offers abundant cabinetry, quartz countertops, a stainless vent hood, double ovens, a gas cooktop, and a large island, all flowing seamlessly into the breakfast area and spacious family room. The family room features a cozy fireplace with built-ins and opens to a screened porch overlooking the private backyard and serene pond, making it an ideal space for relaxing or entertaining. The PRIMARY SUITE ON MAIN features a tray ceiling and a well-appointed bath with a large shower and soaking tub. Upstairs, you’ll find three additional bedrooms with adjoining bathrooms, along with a media room perfect for movie nights or game days. The media room and primary suite feature custom blackout shades, with blinds installed throughout the rest of the home. Additional highlights include wood floors throughout the main level, crown molding, a mudroom off the three-car garage, and thoughtful upgrades throughout the home such as extra lighting above every shower and tub, abundant electrical outlets (even in closets for items like a Roomba or ironing board), and additional outdoor-rated outlets in the backyard for seasonal lighting and entertaining. The beautifully landscaped .83-acre lot extends across a picturesque pond and features custom landscaping, a stone patio, and pavers that create inviting outdoor living spaces. The fenced backyard and irrigation system add convenience to this peaceful setting. Enjoy beautiful sunsets over the pond and the incredible Georgia wildlife habitat, where you’ll regularly see geese, deer, heron, owls, frogs, and more. The unfinished basement is already plumbed and offers plenty of space to finish and add additional living area, creating an excellent opportunity to expand the home and add future value. Enjoy an unbeatable West Cobb location just minutes from Kennesaw Mountain National Battlefield Park, Swift-Cantrell Park, and the charm of Downtown Kennesaw, with easy access to The Avenue West Cobb, Marietta Square, and top-rated Harrison High School, and Kennesaw State University’s vibrant campus and events.
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.
