Tired of living in a subdivision with limited space and constant HOA restrictions? This property offers a completely different lifestyle — one defined by freedom, space, and long-term value. Situated on a private homesite in Loganville, this updated, move-in ready residence delivers nearly 4,000 square feet of living space along with features that are increasingly difficult to find in today’s market. The front yard has been completely cleared of pine trees and overgrowth, creating a clean, open, and picturesque lawn that enhances both curb appeal and usability. From the moment you arrive, the freshly poured driveway and walkway further elevate the presentation and set the tone for the care and improvements throughout the property. Inside, the home has been thoughtfully updated to combine comfort with modern appeal. The magazine-worthy white kitchen serves as a true centerpiece, featuring new appliances, quartz countertops, an absolutely beautiful quartz backsplash, and a striking waterfall quartz island that elevates the space with a clean, modern, and luxurious finish. The kitchen feels bright, refined, and timeless, offering both visual impact and everyday functionality while opening naturally into the main living areas for effortless entertaining. The layout offers exceptional flexibility throughout. Oversized secondary bedrooms provide generous space along with large walk-in closets, while the upstairs secondary bathroom has been fully remodeled with modern finishes. The fully finished basement adds a massive additional living area with endless possibilities, whether used for entertaining, multi-generational living, a home office, or a private retreat. The outdoor living experience is where this home truly stands apart. The back deck overlooks a peaceful natural setting, offering the perfect place to start your mornings with coffee or unwind in the evenings while watching deer pass through. The property is also equipped with a 7-foot deep, 48-foot round pool, fully enclosed with a wire fence and ready for the upcoming Georgia summer. This is a home designed not just for living, but for enjoying. For buyers needing space beyond the home itself, the property delivers in a way most cannot. In addition to the attached two-car garage with a massive loft, there is also a detached garage or outbuilding with its own loft, providing exceptional flexibility for storage, a workshop, business use, or future customization. Beyond aesthetics and space, the home offers true peace of mind. A new HVAC system and updated major components mean the heavy lifting has already been done. In addition, the property features a brand new septic system, including new drain lines, providing long-term reliability and eliminating one of the most common concerns with homes on acreage. A rare financial advantage sets this property apart even further. The home offers an assumable loan at just 3.3 percent, presenting a significant opportunity for qualified buyers to secure a payment far below current market rates. This is not simply another home on the market. It is a property built for buyers who value space, functionality, and freedom, while still wanting a home that feels updated, polished, and ready to enjoy from day one. Opportunities like this, especially at this price point, are becoming increasingly rare. Schedule a private showing to experience the full potential of this property.
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.
