Welcome to a home that's ready to steal your heart-nestled on an amazing large lot where a serene creek gently runs along the rear and right side, creating a peaceful, natural backdrop that's pure tranquility! Step inside this delightful 3-bedroom, 2.5-bath gem and discover an open, airy layout crafted for today's lifestyle. Flooded with natural light, the spacious living areas invite you to relax, gather with loved ones, or host effortless gatherings. The stylish kitchen flows seamlessly into the dining space, making meal prep and entertaining a breeze. Your private patio retreat awaits just outside-imagine savoring morning coffee as the sun rises, enjoying al fresco dinners under the stars, or simply unwinding after a busy day in your own peaceful outdoor oasis. The lot offers maximum privacy with the creek running the rear and side of the property and an amazing natural area to enjoy your patio year round and the front of the home overlooks a beautiful natural pond. The primary suite feels like a personal sanctuary, featuring his-and-hers closets for ultimate organization and a luxurious en-suite bath that promises privacy and pampering. What truly sets this home apart is its incredible location in the heart of Hoschton's welcoming small-town vibe. Families love the short drive (just minutes away) to West Jackson Elementary School, a highly regarded public school known for strong academic performance and a supportive community environment-consistently ranking in the top tier of Georgia elementary schools with excellent parent feedback. Right nearby, you'll find soccer fields, baseball diamonds, and recreational spaces at local parks like Hoschton Recreation Park and the Mulberry River Sports Complex-perfect for weekend games, practices, or cheering on the kids, all within easy reach. Embrace that classic small-town living: stroll or take a quick drive to charming downtown Hoschton and nearby Braselton, where historic streets buzz with local flavor. Savor cozy spots like Hoschton Cafe for hearty breakfasts and lunches, or explore favorites such as Warren's Cafe, The Depot By Four Brothers, Cotton Calf Kitchen, and Pasta Masters for delicious dining options. Browse boutique shops, antique finds, and community hubs that capture the essence of neighborly warmth. The area comes alive with year-round festivals and events-think the beloved Hoschton Spring and Fall Festivals(complete with arts, crafts, live music, and food), Braselton's Antique & Artisan Festival, ArtRageous, Chocolate Walks, outdoor concerts, farmers markets, and seasonal celebrations like holiday parades and music fests. Many are held in walkable downtown areas, letting you soak up the friendly atmosphere without ever needing to go far. Best of all, this home offers effortless connectivity: easy access to Highways 316 and 85 for quick commutes, plus central proximity to major shopping and dining in Buford, Gainesville, Athens, and the popular Tanger Outlets in Commerce. And when you're ready for adventure, you're just a short drive from the stunning North Georgia mountains-perfect for hiking the trails of national forest areas-and the sparkling shores of Lake Lanier for boating, fishing, or lakeside relaxation. This is more than a house-it's a lifestyle of relaxed Southern charm, top schools, endless outdoor fun, vibrant local events, and unbeatable access to both small-town serenity and bigger-city conveniences, all wrapped in a desirable neighborhood with that special creek-side serenity. Don't wait to make it yours-schedule your private tour today and fall in love with the best of Hoschton living!
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.
