The moment you enter this impeccable 4-bedroom, 3.5-bathroom Craftsman residence you will feel at home! Perfectly situated in the vibrant heart of Smyrna and thoughtfully designed by Hatcher Builders for modern living, this home blends classic architectural charm with contemporary amenities and superior quality finishes. Step inside to discover an inviting open floor plan bathed in natural light, anchored by a spacious living area with beautiful custom millwork including coffered ceiling, detailed built-ins, and a cozy fireplace -- perfect for both daily living and entertaining. The gourmet kitchen is a chef’s dream, featuring high-end appliances, generous counter space, a large center island with breakfast bar, and designer cabinetry that complements the home’s Craftsman style. Whether hosting friends or enjoying a quiet evening in, this space was designed to gather and connect. Upstairs, the oversized primary suite serves as a serene and luxurious retreat, complete with a sitting area, tray ceiling, and French doors that open to Juliet balconies. Dual custom closets with built-in cabinetry provide exceptional storage, while a newly-renovated spa-inspired bath elevates daily living with heated floors, separate his and hers vanities and toilets separated by a stunning double walk-in shower, and a soaking tub for relaxation. Two additional bedrooms, a shared full bath, and a convenient laundry room complete the second level. The third level offers a private bedroom, full bath and flex space which is ideal for office, media or workout room. Outside, the fully fenced backyard offers both privacy and versatility, complete with an electronic gate for easy access. The deep lot presents endless possibilities — including ample room to design your dream pool and outdoor oasis — while still providing space for pets and play. Front and back are accented with landscaping lighting, and an irrigation system helps keep your property looking its best! Smyrna is THE PLACE to live! Located within walking distance to vibrant downtown Smyrna’s shops, restaurants, and parks, this home offers the perfect balance of community and convenience. Just across the street is Brinkley Park, and less than a mile away, Tolleson Park is undergoing a remarkable renovation featuring a heated competition pool, family recreational pool, splash area, and waterslide. With exciting plans underway for Smyrna’s dynamic downtown redevelopment, this is truly a special opportunity to enjoy refined Southern living in one of Metro Atlanta’s most sought-after communities.
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.
