Stunning Executive Home in Desirable O'Brien Farms Experience the blend of elegance and comfort in this meticulously maintained 3,482 sq. ft. residence, nestled in the quiet, charming community of O'Brien Farms. Built in 2014 and located in the heart of Kathleen, Georgia, this home provides peaceful suburban living just minutes from Robins AFB and the convenience of Hwy 96. Gourmet Living & Entertaining The heart of the home is a chef's dream: a gourmet kitchen featuring a massive 6-foot "eat-at" island, granite countertops, and sophisticated tile accents. Under-cabinet lighting and pendant fixtures illuminate a space designed for hosting, seamlessly flowing into a sunny breakfast nook and an expansive family room anchored by a cozy fireplace. High-end wood flooring guides you through the entry into the formal living and dining rooms, exuding a sense of timeless style. Restful Retreats This thoughtful two-story layout boasts 5 spacious bedrooms and 4 full baths. Retreat to the massive Primary Suite, a true sanctuary featuring trey ceilings and a private sitting room and home office. The spa-like master bath provides dual granite vanities and generous "His & Her" walk-in closets. Upstairs, a versatile loft provides the ideal space for a media room or play area. Premium Features & Modern Updates * Chef's Kitchen: Stainless steel appliances and a signature trim package. * Outdoor Living: Relax on the 12x16 covered rear porch, for grilling and outdoor gatherings. Yoder's 8x12 storage shed. * Quality Details: Rubbed bronze fixtures, 2-inch plantation blinds throughout, and upgraded iron banisters. * Peace of Mind: Brand-new Class 3 impact-resistant shingled roof (May 2024), 3-car garage, and LP Techshield radiant barrier for energy efficiency. Security System w/10 cameras. The "Owner Assurance" Advantage Buy with absolute confidence. This home comes with a transferrable homeowner's warranty, a termite contract, and an HVAC maintenance package valid through 2026 and features a built-in Pestban system...for worry-free maintenance. Education & Location Zoned for the highly-rated Langston Road Primary/Elementary, Mossy Creek Middle, and Perry High schools. Enjoy the best of Middle Georgia living with easy access to shopping, dining, and major commuter routes.
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.
