Welcome to your move-in-ready Craftsman ranch in one of Jefferson's most sought-after neighborhoods! This stunning 4-bedroom, 3-bathroom home (with a true upstairs bonus suite) sits proudly on a rare, large, level, and fully fenced rear lot shaded by gorgeous mature hardwoods, the kind of private backyard most buyers only dream about. Step inside to soaring ceilings, gleaming hardwood floors, and an open-concept layout perfect for both daily living and entertaining. The heart of the home features a spacious family room with a cozy fireplace, a chef-friendly kitchen with a large island, granite counters, walk-in pantry, and a sunny breakfast area, plus a separate formal dining room for special gatherings.Work-from-home? You'll love the dedicated home office with French doors. The split-bedroom plan delivers maximum privacy, highlighted by an oversized owner's suite with a tray ceiling, spa-like bath (dual vanities, soaking tub, separate tiled shower), and a huge walk-in closet. Upstairs, a massive private bonus room with its own full bathroom makes an ideal 4th bedroom, teen suite, in-law suite, media room, or gym. Need room to grow? The full daylight basement (over 2,300 unfinished sq ft) is already stubbed for a bath and offers both interior and exterior entry, endless possibilities for a future theater, additional bedrooms, rec room, or workshop, plus incredible storage. Car enthusiasts and busy families will appreciate the side-entry 3-car garage and expanded driveway with plenty of parking. Outside, the fully fenced backyard is flat, grassy, and beautifully shaded, perfect for pets, play, gardening, or simply relaxing on the patio. This isn't your typical builder-grade lot; this is usable, private outdoor living at its finest. Ultra-convenient location: minutes to award-winning Jefferson schools, parks, Northeast Georgia Medical Center Braselton, I-85, and the booming Braselton/LifePath area with new restaurants, shopping, and entertainment. High-speed fiber AND 5G internet available.Priced to sell and truly better than new, and is ready for its next chapter. Homes with this combination of a true ranch floor plan, an upstairs bonus suite, 3-car garage, a full basement, and a standout backyard do not last long in today's market. Don't wait, schedule your private tour today!
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.
