PRICE ADJUSTED & marked WELL BELOW appraisal value! Make this your HOME FOR THE HOLIDAYS! Nestled in the highly sought-after Sky Country Neighborhood of Dahlonega, Georgia, this meticulously cared-for, 2021 custom-built home offers luxurious living with a blend of timeless and modern conveniences. From its picturesque curb appeal to its stylish, well-thought-out interior, this home is truly a must-see! Key Features include a spacious layout with a bright and airy open floor plan. The vaulted and 10-foot ceilings enhance the home's sense of space. Custom 8ft French doors lead to your office, with windows that pour in natural light. Flawless details & finishes include 5-inch hardwood oak floors throughout that create warmth and continuity, while stylish wainscoting adds an element of craftsmanship. A wood-burning fireplace with a gas starter provides perfect ambiance in cooler weather. The chef’s kitchen is equipped with top-of-the-line appliances from Bertazzoni, Viking, and Bosch, ensuring high performance and style. A butler’s pantry, built-in wine cooler, and custom cabinetry offer ample storage, making this kitchen efficient and inviting for both cooking and entertaining. Watch the deer from your window over your classic apron front sink. The home features five comfortable bedrooms and four and a half bathrooms. The Owners' bedroom is resort-like with vaulted ceilings and a private ensuite that is spacious with a walk-in tiled shower, beautifully designed and ultra-stylish. To make the home completely comfortable in all types of weather, it is fully equipped with a Kohler Generator. Other smart tech and conveniences include a central vacuum system, and an advanced Ace Wiring Security System (including cameras and alarms) for peace of mind. Plus, the UV light HVAC purifier ensures clean, healthy air throughout the home. Saunter through the back door to an inviting outdoor oasis, ideal for entertaining or quiet enjoyment. The inviting saltwater SWIMMING POOL takes center stage in a beautifully landscaped fenced yard. The property also includes an outdoor shower, as well as landscaped gardens and a complete irrigation system. Additional features for the home include space for RV parking, and whole-house natural gas connections for the stove top, fireplace starter, heat, dryer, pool heater, generator, and grill—providing comfort and efficiency in every room. Did I mention location? Situated on a quiet cul-de-sac, this stunning home is just minutes from the vibrant heart of Downtown Dahlonega, shops, restaurants, wineries, and breweries. Nature lovers will enjoy the nearby Zwerner Lake, hiking trails, and the Chestatee River. This home has a voluntary HOA; however, CCRs and City Ordinances ensure your property values are maintained. No short-term rentals are allowed. Paved roads are maintained by the city. Enjoy resort-style living without the expense or hassle of private gated communities. Don’t miss the opportunity to make this exceptional home yours—schedule a private tour today!
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.
