PROFESSIONAL PICTURES COMING SOON. Tucked away on a quiet street, this fully renovated ranch on a full unfinished basement blends timeless charm with real hardwood floors, modern updates, great bones, an unbeatable layout, and a location you'll love. Just minutes from shopping, dining, parks, and convenient access to I-20, I-285, and Downtown Atlanta, this move-in ready home makes everyday living as convenient as it is comfortable. Step inside to discover real hardwood floors, crown molding throughout the living spaces and main bedroom, and a bright open-concept floor plan. The spacious living area flows into a completely renovated kitchen featuring quartz countertops, brand-new cabinetry, brand-new stainless steel appliances, updated lighting, and a stunning center island that's perfect for morning coffee, casual meals, meal prep, or gathering with family and friends. The dining area sits just off the kitchen, creating an inviting space for everything from weeknight dinners to holiday celebrations. Just beyond, you'll find a versatile bonus nook ready to become whatever fits your lifestyle, a home office, coffee bar, reading corner, cocktail station, homework space, or cozy sitting area. Every room has been freshly painted and features beautiful real hardwood flooring, while both bathrooms have been renovated with fresh, modern finishes that create a clean, polished feel throughout the home. A dedicated full-size laundry room on the main level adds everyday convenience and extra storage. Downstairs, the full unfinished basement offers endless possibilities. Whether you're dreaming of a home gym, media room, workshop, playroom, additional living space, or simply incredible storage, you'll have the flexibility to create a space that grows with your needs. Outside, enjoy peaceful mornings with coffee on the front porch, evenings grilling with friends on the back deck, or simply relaxing in the privacy of your own fully fenced backyard. It's the kind of home that makes slowing down feel easy while still keeping you close to everything Metro Atlanta has to offer.
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.
