Sophistication meets modern luxury at 2407 Pelham Pass. Featuring a chef-inspired kitchen, designer marble upgrades, and meticulous craftsmanship throughout, this beautifully updated estate offers a rare level of polish and style in one of Dacula's most sought-after pockets. Experience the perfect blend of architectural elegance and modern comfort in this stunning 5-bedroom, 3.5-bath masterpiece. From the moment you step inside, you are greeted by an expansive open-concept floor plan bathed in natural light, designed to serve as the ultimate backdrop for quiet relaxation and grand entertaining. Gourmet Kitchen & Living: At the heart of the residence lies a chef’s kitchen that defines "refined living." Adorned with premium granite countertops, a brand new stainless steel refrigerator and sleek modern finishes, it flows effortlessly into the soaring vaulted family room. Whether you’re preparing a holiday feast or enjoying a casual morning coffee, this space is as functional as it is beautiful. Spa-Inspired Owner’s Retreat: Retire to the main level Primary Suite—a private oasis designed for serenity. The en-suite bathroom is a true showstopper, featuring exquisite marble detailing in an expansive upgraded shower with designer upgrades that bring a high-end, resort-style feel to your daily routine. This stunning home has a space for every need: Dedicated Workspace: A private main-floor office offers the quiet and professional environment today’s remote lifestyle demands. The Entertainment Loft: Venture upstairs to find a massive open loft. From a high-tech media room to a vibrant hobby or play area, the possibilities for this "flex zone" are endless. Versatile Layout: With 5 generous bedrooms, this home is perfectly tailored for a variety of living arrangements or hosting guests in style. Step outside to a sprawling, level backyard featuring a private patio and an expansive flat lawn—a rare find that offers boundless possibilities for outdoor living and large-scale entertaining. Resort-Style Amenities: Enjoy the vibrant community life. Within a short distance, you’ll find the sparkling community pool, a state-of-the-art pickleball court, and a modern outdoor play area. This residence is ready to be the backdrop to years of memories. Don’t just read about the luxury—come experience the marble, the granite, and the craftsmanship for yourself.
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.
