$1,500 LENDER CREDIT WITH SELLER'S PREFERRED LENDER Welcome to a residence that offers far more than a home, it offers a lifestyle most buyers only dream about. Tucked away on a quiet cul-de-sac inside the highly sought-after Heron Bay Golf & Country Club, this exceptional 5-bedroom, 5-bathroom estate is the perfect fusion of space, elegance, comfort, and versatility. Designed for those who want it all, this home delivers the rare advantage of two fully functional living experiences in one, making it ideal for multi-generational living, entertaining, extended guests, work-from-home flexibility, or simply living on a grander scale. From the moment you step inside, you're greeted by a sense of warmth, sophistication, and endless possibility. The open-concept main level was designed for modern living and effortless entertaining, seamlessly connecting the great room, breakfast area, and chef-inspired kitchen into one inviting, beautifully flowing space. The kitchen is the heart of the home and does not disappoint, featuring granite countertops, an island, and generous prep and gathering space that makes everyday living feel elevated. A main-level bedroom and full bath provide ideal accommodations for guests, in-laws, or anyone seeking the convenience of avoiding stairs. But what truly sets this property apart is the fully finished basement a remarkable extension of the home that creates an entirely different living experience. Complete with a theater room and its own expansive living area, this level opens the door to endless possibilities: a private retreat, media lounge, game room, teen suite, guest quarters, entertainment haven, or even a sophisticated second household setup. Step outside and enjoy the patio, perfectly suited for summer BBQs, evening gatherings, or peaceful mornings, all while overlooking a fully fenced backyard that offers both privacy and functionality. Upstairs, the owner's suite serves as a true sanctuary an oversized retreat designed for rest, privacy, and indulgence. The spa-like en-suite bath features a separate soaking tub and shower, creating the perfect place to unwind after a long day. Every inch of this home was built to serve a bigger life bigger family moments, bigger celebrations, bigger comfort, and bigger possibilities. And then there's Heron Bay. Living in Heron Bay means stepping into one of Henry County's most desirable master-planned communities, known for its resort-style atmosphere, natural beauty, and premier amenities. Residents enjoy access to the renowned Heron Bay Golf & Country Club, home to an 18-hole championship golf course stretching over 7,000 yards with scenic views of the beautiful Cole Reservoir. The community lifestyle is second to none, featuring multiple clubhouses, two aquatic centers, tennis courts, a fitness center, playgrounds, walking and nature trails, fire pits, lakefront park areas, and beautifully maintained green spaces all designed to make every day feel like a getaway. This is not just another listing. This is the kind of home buyers wait for spacious, flexible, upscale, and located in a community that delivers the country club lifestyle without compromise. Opportunities like this in Heron Bay are rare. If you've been waiting for a home that truly has the space, the setting, the amenities, and the wow factor-this is it. Schedule your private showing today and experience what makes this home unforgettable.
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.
