Quiet Living in Beautiful River Bend North - Bonaire, GA Here's your second chance! This beautiful home is back on the market through no fault of the seller after the previous contract was canceled due to buyer circumstances. Appraisal in hand! Professionally pre-appraised before listing, this home offers buyers added confidence in its exceptional value and pricing. From the moment you step onto the welcoming front porch and walk through the door, you'll feel right at home. Impeccably maintained and like new condition, every space reflects thoughtful design, quality craftsmanship, and pride of ownership. Custom upgrades, modern finishes, and warm, inviting touches create the perfect blend of comfort and style. Built just four years ago, this stunning 4-bedroom, 3-bathroom home offers over 2,800 square feet of thoughtfully designed living space on a beautifully landscaped corner lot. Zoned for highly sought after schools in the Houston County School District, this home combines luxury, comfort, and exceptional value. An inviting covered front porch and elegant double entry doors welcome you inside, where soaring ceilings and engineered hardwood flooring create a warm and spacious first impression. Throughout the home, you'll find beautiful crown molding, 3-inch faux wood blinds, upgraded lighting, and ceiling fans that add style and comfort. The flexible floor plan includes a dedicated dining room that can also serve as a home office. The open-concept living area is the heart of the home, featuring a spacious family room with a coffered ceiling and a stunning remote-controlled stone gas fireplace. The chef's kitchen is designed to impress with custom cabinetry, a custom vent hood, tile backsplash, beautiful stone countertops, stainless steel farmhouse sink, oversized island, breakfast alcove, hidden walk-in pantry, and soft-close drawers and cabinets. Just off the kitchen is a spacious walk-in laundry room complete with built-in cabinetry and tile flooring. The private owner's suite is generously sized and features a double tray ceiling. A beautiful sliding barn door leads into the luxurious ensuite bathroom, complete with dual vanities, stone countertops, a tiled walk-in shower, and an oversized walk-in closet with abundant storage. The split-bedroom floor plan provides privacy, offering two spacious secondary bedrooms with tray ceilings, ample closet space, and a shared full bathroom. Upstairs, you'll find an oversized fourth bedroom or bonus room with its own private ensuite bath. The bedroom closet also provides convenient access to the walk-in attic for additional storage. Additional features include: * Two-car garage with automatic garage door opener, two remotes, and exterior keypad entry * Covered back patio overlooking a large, private backyard * Custom wood privacy fence with no rear neighbors * Well-maintained lawn with an in-ground sprinkler system Schedule your private showing today and come experience everything this beautiful home has to offer. Don't miss this second opportunity to make it yours!
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.
