Welcome to 215 Pineywood Rd - Where Comfort, Character & Convenience Meet Just minutes from historic Downtown Griffin, shopping, dining, and everyday conveniences, this charming and well-maintained home offers the perfect blend of space, privacy, and timeless style - with NO HOA and plenty of extra parking for your guests, toys, or additional vehicles. Step inside and you'll immediately feel the warmth of real hardwood floors spanning the entire main level, detailed trim work throughout, and an inviting layout designed for both everyday living and effortless entertaining. MAIN LEVEL LIVING A welcoming formal living room and a spacious formal dining room (currently used as an additional guest bedroom - perfect flexibility!) A cozy family room being used as a home theater, featuring plush carpet with an extra-thick pad for comfort. A beautifully updated eat-in kitchen with Pinewood floors, a dedicated coffee bar, built-in shelving in the breakfast area, and great natural light. A convenient half bath on the main, smartly positioned and easily convertible into a full bathroom if desired. UPPER LEVEL RETREAT Upstairs you'll find four generously sized bedrooms, including a peaceful owner's suite with an oversized walk-in closet and two full bathrooms. OUTDOOR OASIS The fenced backyard is truly a hidden retreat - ideal for peaceful mornings, relaxing evenings, and memorable gatherings. A large screened-in porch perfect for year-round enjoyment An additional deck offering more outdoor entertaining space Surrounded by lush, mature trees that provide beauty and privacy Whether hosting friends or enjoying quiet time unplugged, this backyard has all the serenity you need. EXTRA HIGHLIGHTS No HOA Trim and character throughout Tons of parking space in the front Minutes from Downtown Griffin Close to restaurants, grocery stores, and shopping This home has been lovingly cared for, thoughtfully updated, and offers the space, freedom, and charm buyers are searching for. Don't miss your chance to experience this Griffin gem!
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.
