Welcome to a truly serene and stately private estate nestled on 18.56 beautiful acres in Roopville, where a gently flowing creek, open pasture, and hardwood privacy create a setting that feels both peaceful and refined. Tucked away from the road and approached by an inviting drive framed with azaleas and flowering trees, this property offers a rare blend of natural beauty, usable land, and timeless presence. From the moment you enter through the brick columned entrance and arrive at the circular drive, you are welcomed into a home designed for both quiet retreat and gracious living. This three story residence offers approximately 3,067 sq ft with 5 bedrooms and 3 baths, thoughtfully remodeled within the past year to reflect modern comfort while maintaining its classic character. A wide rocking chair front porch and wrought iron accented entry set the tone as you step into a spacious foyer. To the right, a versatile grand room offers the perfect space for a private office, library, or additional living area, while an oversized dining room to the left is ideal for hosting and gathering. The foyer opens seamlessly into a light filled living room where soaring ceilings and expansive windows create an airy, welcoming feel. A cozy fireplace anchors the space, while natural light pours in, bringing the outdoors in and enhancing the home's open and connected design. The kitchen is positioned just beyond the living room, designed with both function and beauty in mind, it features brand new granite countertops, a large island, marble backsplash, and an abundance of cabinetry. Surrounded by windows, the kitchen captures peaceful exterior views from every angle and flows effortlessly into the dining and living spaces, creating an ideal setting for everyday living and entertaining. A generous pantry and conveniently located laundry room add to the ease of main level living, with direct access to the brand new deck just beyond. The main level owner's suite is a retreat of its own, filled with natural light from seven surrounding windows. The en suite bath offers a refined blend of charm and luxury with a porcelain coated cast iron clawfoot tub, beautifully tiled frameless glass shower, quartz double vanities, private water closet, and a spacious walk in closet. Upstairs, three additional bedrooms offer exceptional space, each featuring dual walk in closets and abundant natural light. A fully renovated bath, new flooring, and brand new carpet throughout the upper level provide a fresh and cohesive feel. A beautifully crafted staircase connects the levels with a sense of architectural detail and flow. The finished terrace level adds incredible versatility with an additional bedroom or flex space that could serve as a media room, playroom, classroom, or private guest suite. With its own exterior entrance and covered patio area beneath the deck, this level creates a seamless extension of indoor and outdoor living. A two car garage with workshop or storage space is also located on this level, offering both function and convenience. Outdoors, the property truly shines. A brand new deck with modern open railing design provides the perfect space to relax, entertain, or simply take in the surrounding views. The land offers a beautiful balance of open pasture, ideal for horses or cattle, and wooded acreage that enhances privacy and tranquility. The winding creek is a standout feature, adding both beauty and a peaceful soundtrack to everyday life. Thoughtful landscaping, stacked rock accents, and natural elements throughout the property create a setting that feels both curated and organic. Additional features include a metal roof approximately three years old, HVAC is 2 years old and a setting that allows for full main level living with space to expand as needed. Conveniently located just minutes from town, this property offers the perfect balance of seclusion and accessibility. Approximately 10 minutes to downtown Carrollton, 30 minutes to Newnan.
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.
