Welcome to 300 Horseshoe Bend, a beautifully maintained home located in the desirable Boulevard section of North Hill on the Club side of The Georgia Club. Perfectly situated on a premier corner lot overlooking the neighborhood park, this timeless 5-bedroom, 4.5-bath residence offers 4,076 square feet of thoughtfully designed living space that blends classic Southern architecture with everyday comfort. A gracious wraparound front porch creates an unforgettable first impression and offers the perfect place to enjoy quiet mornings, evening conversations, or simply take in the park views. Inside, a welcoming foyer opens to a formal dining room on the left, while the spacious living room lies straight ahead. Centered around a fireplace with custom built-ins on either side, this inviting space is filled with natural light and flows effortlessly into the heart of the home. Plantation shutters throughout add timeless style while providing both beauty and privacy. Designed for both entertaining and everyday living, the gourmet kitchen features a six-burner gas cooktop, double wall ovens, a large center island, abundant cabinetry, a walk-in pantry, and a separate butler's pantry for additional prep and serving space. The bright breakfast area is surrounded by windows, creating a cheerful setting for casual meals, while the adjoining keeping room offers a second comfortable gathering space complete with its own fireplace and matching built-ins. The thoughtfully designed floor plan offers three bedrooms and two-and-a-half bathrooms on the main level, including a spacious primary suite tucked away for privacy. The primary suite features two walk-in closets and a well-appointed ensuite bath with dual vanities, a soaking tub, oversized walk-in shower, private water closet, and dedicated linen closet. Upstairs, two separate bedroom suites each feature a spacious bedroom, walk-in closet, and full bathroom. Whether accommodating guests, providing space for older children, or creating a private home office or hobby suite, these flexible spaces offer comfort and privacy for a variety of lifestyles. Outdoor living continues with a covered rear porch overlooking the fenced backyard and an adjoining paver patio that creates an ideal setting for grilling, relaxing, or entertaining. The professionally maintained landscape is supported by a state-of-the-art smart irrigation system that monitors weather conditions and automatically adjusts watering schedules to keep the lawn healthy year-round. A whole-home water filtration system provides another thoughtful upgrade, while the attached 2.5-car garage offers space for two vehicles plus a dedicated golf cart bay, making it easy to enjoy everything The Georgia Club has to offer. Located inside the gates of The Georgia Club, residents enjoy one of Northeast Georgia's premier private golf communities, offering beautifully maintained grounds, parks, walking trails, sidewalks, and an exceptional lifestyle with convenient access to Highway 316, making travel to Athens, the greater Atlanta area, and destinations throughout Northeast Georgia both easy and convenient. With timeless architecture, an exceptionally functional floor plan, quality finishes, and an unbeatable location within the community, 300 Horseshoe Bend presents a wonderful opportunity to experience life in one of the area's most sought-after neighborhoods.
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.
