Tucked inside the gated, resort-style community of Fairfield Plantation, this immaculately maintained ranch sits on a beautifully landscaped double lot that backs up to a 97-acre parcel for exceptional privacy. The location is ideal—convenient to both the “front” and “back” gates, with easy access to Villa Rica, Carrollton, and Douglasville. Step through the front door into a welcoming foyer that opens to a formal dining room on one side and the main living area straight ahead. The dining room sets the tone for the home with its tray ceiling, wainscoting, and ornately cased opening—perfect for holiday dinners, game nights, or lingering over dessert with friends. From the foyer, the home flows naturally into the vaulted family room, where a gas-log fireplace anchors the space and gleaming hardwood floors draw your eye across the room. This is the heart of the home—cozy enough for everyday life, but open and airy enough to host a crowd. Both the family room and the hallway leading to the kitchen feature those same detailed cased openings that add character and charm. Just off the family room, the renovated kitchen is designed for both beauty and function. Granite countertops, a tiled backsplash, and breakfast bar create an inviting space to gather, while over 30 cabinets and drawers—including two built-in pantries and a built-in coffee bar/small appliance station—keep everything within reach but out of sight. Morning routines, after-school snacks, and weekend baking all fit easily here. From the kitchen, French doors invite you into the HUGE sunroom that stretches across the back of the home. With views of the private backyard, this space lives like a second family room—think morning coffee, quiet reading, or watching the big game with the doors open to the back porch. The primary suite also opens into the sunroom, creating an easy flow from bedroom to relaxation space. At day’s end, retreat to the primary suite with its double-tray ceiling and warm hardwood floors. The spa-inspired bath features quartz counters, a garden tub with tiled surround, a separate tiled shower with frameless glass door, and a walk-in closet with plenty of shelving, natural light, and hardwood flooring. On the opposite side of the family room, a split bedroom layout offers two additional bedrooms and a full bath with granite countertop and a tiled, frameless glass shower—keeping everyone comfortable with their own corner of the house. Everyday practicality is built in, too. A true 2-car garage includes a tornado shelter (sellers will remove if desired) and opens into a mudroom-style laundry area with cabinetry and a closet—perfect for dropping shoes, bags, and sports gear before you step into the main living space. Outside, the lifestyle continues on the oversized back porch, accessible from both the kitchen area and the sunroom. There’s plenty of room here for a grill, dining table, and lounging furniture—ideal for summer cookouts or crisp fall evenings. The porch overlooks a fenced backyard with lush, professionally maintained sod, a dedicated seating area with firepit, and a storage building with shelving and a ramp that makes parking your zero-turn mower effortless. With the roof (house and building), HVAC, and water heater all updated in recent years, you can spend more time enjoying and less time worrying—this home is truly move-in ready. Life in Fairfield Plantation is all about amenities and community: ski lake, fishing lake, recreation center with Junior Olympic-sized pool, basketball court, playground, nature trails, and a seasonal beach on the lake. Residents also enjoy Dockside Marina restaurant, year-round events, and the option to join Fairfield Plantation Golf—an 18-hole course designed by William Byrd with its own clubhouse, pool, tennis courts, and restaurant. With 24-hour security, two manned gated entrances, and dedicated fire stations, you get resort-style living with everyday peace of mind.
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.
