Mountain, Lake & Golf Course Views | Life in The Orchard Wake up each morning to the soft glow of sunrise stretching across the mountains, fairways, and the peaceful waters of Blue Ridge Lake. Tucked into one of the most desirable homesites in The Orchard Golf Community, this beautifully updated executive home offers a setting that feels both private and expansive-where every window frames a view worth pausing for. Designed for the way people truly live, the heart of the home is a stunning, fully reimagined kitchen. With its oversized quartz island, custom cabinetry, and premium appliances, it's a space where conversations linger, coffee is shared, and every gathering naturally comes together. The primary suite is a retreat of its own-quiet, refined, and thoughtfully rebuilt to feel like a personal spa. From the soaking tub set beneath architectural details to the walk-in shower and custom closet, every element invites you to slow down and unwind. Throughout the home, light-filled spaces and soaring ceilings create an atmosphere that is both open and welcoming. Step outside, and the experience only deepens-covered porches, elevated balconies, and a screened-in outdoor living area with a fireplace and hot tub make it easy to enjoy every season, whether you're hosting friends or enjoying a quiet evening under the stars. The terrace level expands the lifestyle even further, offering flexible spaces for guests, recreation, and relaxation-from a private guest suite to a media room and game or fitness area. Set across nearly two acres with generous golf course frontage, the property blends curated landscaping with natural beauty, including mature trees and native mountain laurel-creating a sense of place that feels distinctly North Georgia. This is more than a home-it's a daily experience of views, comfort, and connection. (Furnishings + golf cart included)
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.
