At the end of a quiet cul-de-sac, where privacy, space, and peaceful surroundings come together, this modern farmhouse offers a lifestyle that’s becoming increasingly hard to find. Set on over an acre, the fully fenced and beautifully sodded backyard creates a park-like setting that feels both private and inviting — a place where you can truly slow down and enjoy being home. Step inside and you’ll immediately notice the open, comfortable layout designed for both everyday living and gathering with family and friends. A dining room and living room provide flexibility for holidays, entertaining, or everyday living. The kitchen overlooks the fireside family room, creating a natural place to connect and unwind. Granite countertops, upgraded stainless steel appliances, an extra-large island, and a walk-in pantry with custom-designed shelving add both style and functionality. Just off the kitchen and family room, the covered porch quickly becomes a favorite place to relax. Whether you're enjoying your morning coffee, winding down at the end of the day, or simply taking in the quiet backyard and surrounding nature, this private outdoor space makes it easy to slow down and enjoy the moment. Tucked away in the back of the home, the main-level guest bedroom and full bath offer a comfortable private area for visitors or extended family. Being out of the way, it can also be utilized as a playroom or a home office. Upstairs, the spacious primary suite offers a peaceful retreat with a private ensuite bathroom featuring double sinks, a soaking tub, and a separate tiled shower. A large custom-designed closet system provides excellent storage and organization. Floored attic space is off of the primary closet adding room for additional storage. Two additional bedrooms, a full bathroom with double sinks, and a convenient laundry room complete the upper level. Upgraded carpet and premium carpet padding throughout the upstairs adds comfort and quality. The partially finished basement adds even more living space with a media room — perfect for movie nights, game days, or relaxing weekends at home. Double doors lead to the extended patio, creating a seamless connection to the backyard and additional space for entertaining. Located near Fort Yargo State Park, Little Mulberry Park, and Sell’s Mill Park, outdoor recreation is just minutes away. Convenient access to I-85, Chateau Elan, shopping, dining, Northeast Georgia Medical Center, and medical offices makes daily living easy while still enjoying the privacy of this beautiful setting. Homes like this don’t come along often — where thoughtful upgrades, flexible living spaces, and a peaceful setting come together. This modern farmhouse offers more than just a place to live… it’s a place to truly feel at home.
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.
