Come home for the holidays! Located in the Brand New Cutting Edge AI-themed High School!!! BRAND NEW GRANITE COUNTERS!!! Welcome home to this beautifully maintained two-story home offering 4 bedrooms, 2.5 baths, plus a bonus room/optional 5th bedroom on the main level! From the moment you step into the large, inviting 2 story foyer, you'll feel right at home. The open floor plan is perfect for families who love to entertain. Enjoy a flex room that could be home office/bedroom, playroom, exercise room or whatever you need. The spacious great room has a cozy fireplace and tons of natural light, perfect to come home and relax. The kitchen features white cabinetry, brand new granite counters, stainless steel appliances, a breakfast bar, a separate eat-in area, and newer LVT flooring. A formal dining room and half bath round out the lower level. Upstairs, you'll find the massively oversized primary suite complete with a sitting area-perfect for unwinding at the end of the day. The spa-like en-suite bath features cultured marble double vanities, a garden tub, a separate shower, and 2 generous walk-in closets. Three additional spacious bedrooms provide plenty of space for family or guests. The private backyard is an oasis that includes mature trees, blueberry bushes, and a fenced-in area with a creek along the border-ideal for relaxing or exploring nature. (The backyard is larger than the fenced portion). Newer garage doors! This is a must see home with top notch schools, close to parks, dining, shopping, and entertainment. Your new home is located in the sought-after Seckinger High School, one of Gwinnett County’s most innovative and sought-after schools, blending academic excellence with cutting-edge programs that prepare students for the future. Seckinger is Gwinnett’s first artificial intelligence-themed high school, offering students unique pathways in AI, computer science, engineering, and advanced technology—all while providing a well-rounded education in the arts, athletics, and traditional academics. The campus itself is modern and state-of-the-art, featuring collaborative learning spaces, advanced labs including and incredible mechatronics lab, and facilities designed to inspire creativity and critical thinking. Beyond technology, Seckinger takes pride in its student-centered culture, strong athletic programs, and opportunities for leadership, ensuring graduates are ready for college, careers, and life. Families are especially drawn to Seckinger for its forward-thinking curriculum, supportive community, and focus on preparing students for tomorrow’s world, making it a standout choice in the Mill Creek Cluster and Gwinnett County Public Schools district with Jones Middle and Ivy Creek Elementary nearby. This one checks all the boxes. Don't wait-homes in this area go fast!
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.
