Multi-Generational Home in Bent Tree. Set within the natural beauty of Bent Tree, this inviting residence rests on a generous, fenced lot designed for both privacy and ease of living. An open floor plan flows effortlessly into a bright sunroom, creating light-filled spaces that feel airy, calm, and connected to the outdoors. The enlarged kitchen blends form and function with marble countertops, crisp white cabinetry, a wall oven, and a decorative tile backsplash - an intentional space for gathering, cooking, and everyday rituals. Hardwood floors extend throughout the main level, adding warmth and continuity, while the thoughtfully designed laundry room offers cabinetry, a utility sink, and additional storage to keep daily routines streamlined. Each bedroom is spacious and privately appointed with its own en-suite bath and custom closet systems, offering comfort and personal retreat for family members or guests alike. The terrace level expands the home's versatility with a refrigerator, sink, and counter space suitable for casual dining or extended-stay living. A bedroom with en-suite bath, a cozy fireplace, and a large flex room create opportunities for a home office, studio, media lounge, fitness space, or creative pursuits - adaptable to evolving lifestyle needs. **An additional fourth bedroom suite with a full bath and dedicated washer/dryer hookup** provides exceptional flexibility for multigenerational living, a private guest apartment, or an income-producing rental configuration - thoughtfully designed to support independence while remaining seamlessly connected to the main home. Practical enhancements further support effortless living, including a storage shed, abundant interior storage, attic space with attic fan, termite bond, newer roof, and a whole-house generator for peace of mind. The fenced yard provides room to relax, garden, or entertain with ease. Well-maintained and thoughtfully equipped, this home offers a balanced blend of functionality, flexibility, and quiet comfort within a nature-rich community setting. Life in Bent Tree extends well beyond the front door, offering a rare blend of recreation, nature, and connection. As one of the few **golf-cart-friendly mountain communities**, residents enjoy easy access to a championship golf course designed by Joe Lee, USTA tennis facilities with both indoor and outdoor courts - including clay and pickleball - and two swimming pools for seasonal relaxation. Outdoor enthusiasts appreciate miles of hiking trails, scenic waterfalls, and a 110-acre private lake ideal for kayaking, paddle boarding, canoeing, or electric-motor boating, all stocked for fishing. Equestrian amenities include horse stables and opportunities for guided or independent riding. An onsite restaurant and pro shop add convenience and social connection, creating an environment where leisure and lifestyle naturally intertwine. Bent Tree embodies a rhythm of living that feels both active and restorative - a North Georgia setting where daily life can be as engaging or as peaceful as you choose.
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.
