This is a rare opportunity to secure a modern, spacious home at a price that makes sense for today's market in one of Peachtree City's most sought-after golf cart communities, Everton at Kedron Hills. Built in 2019 and thoughtfully refreshed, this like-new 5 bedroom, 4 bath home offers 3,253 square feet of beautifully designed living space. From the moment you arrive, the welcoming front porch and Craftsman-style curb appeal set the tone for a home that balances comfort, style, and everyday functionality. Inside, beautifully engineered hardwood floors lead you through the foyer into an open-concept layout ideal for modern living and entertaining. To the right is a formal dining room with waynescotting and crown molding connects seamlessly to the kitchen through a butler's pantry with a separate walkin closet panty with plenty of storage. The kitchen is the heart of the home, featuring granite countertops, a large island with bar-style seating, an additional dining space, a coffee/tea station, a gas range, tile backsplash, high-end cabinets with soft-close drawers and a built-in microwave. The living room is anchored by a cozy fireplace and opens effortlessly to the main living areas, making gatherings feel easy and inviting. The main level includes a private bedroom with a full bath just steps away, ideal for guests, multigenerational living. On the way to the 2-car garage is a built-in office desk and a mudroom with storage. The loft at the top of the stairs is a perfect entertainment space, movie or gaming space or second living room. The spacious primary suite is a true retreat with a versatile sitting area that works beautifully as a nursery, gym, or second office. The spa-inspired primary bath features a deep soaking tub, a separate glass-enclosed shower with seating, an oversized double vanity with abundant storage, two walk-in closets, and a private water closet. Additional bedrooms include a guest suite with its own full bath, two secondary bedrooms sharing a hall bath, and a full laundry room conveniently located upstairs, offering flexibility and comfort for everyday living. Step outside to a peaceful backyard with a tree-lined border that provides privacy and a sense of retreat. Smart home features include a smart thermostat, security system, cameras, Ring doorbell, EV charging wiring in the garage, and a water softener and filtration system for added comfort and efficiency. The real standout is the lifestyle. Kedron Hills places you in the heart of Peachtree City's famous golf cart community, offering access to over 100 miles of scenic cart paths connecting you to top-rated schools, parks, shopping, dining, and community amenities including pools, tennis courts, lakes, trails, and the Kedron Fieldhouse and Aquatic Center. All of this while remaining just 30 to 40 minutes from downtown Atlanta. Opportunities like this in Peachtree City do not last. If you have been waiting for the right home, in the right community, at the right price, this is it.
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.
