Hi… my name is 3234 Mineral Ridge Lane, aka Happy Home… and I am looking for my match. I’m a NEW ROOF, 5-bedroom, 3-bath kind of experience… the slow-burn, “I didn’t know I needed this much space” type. I’m tucked into a quiet pocket of Gwinnett County, sitting at the top of a hill and wrapped in a private wooded embrace. I value your privacy and your peace. I’m zoned for the Shiloh district (Elementary, Middle, and High), and the buses come right into the neighborhood—convenience meets calm. Nature is my love language. Deshong Park and Yellow River Park are just minutes away, and I’m close to the rugged beauty of Stone Mountain and Arabia Mountain for those weekend hikes. When you want the buzz of the city, I’m only 30 minutes from Atlanta and the airport. Come Inside... Let’s Get To Know Each Other. Downstairs, I open gently. A bright foyer welcomes you into a formal living room for softer conversations, flowing into a dining room ready for candlelight or takeout… with space to seat up to 8. My galley kitchen keeps things sleek with stainless steel energy, including a Bosch dishwasher that hums like it respects your peace. There’s a cozy kitchenette corner that leads out to my patio and wooded backyard… the kind of backdrop made for slow mornings and evenings that linger. Back inside, step down into my family room and things get a little more intimate. A gas and/or wood fireplace sets the mood, plus a generous storage closet because, let’s be honest, life comes with "things." French doors oepn up to a bedroom on the main or office with connected bathroom access. Perfect for guests, "work from home" vibes, or a private client-facing space. I also offer a 2-car garage with a quiet, new opener. No drama, just smooth arrivals. A laundry room & coat closet—the essentials, handled. Upstairs, I Show Off A Little. My primary suite is a sanctuary, featuring high, tiered ceilings and a private bath with a double vanity, jetted garden tub with a view, and a separate shower. The walk-in closet includes a custom shelving system because organization is a form of self-care. In the hallway, I let the light in. A grand French window pours in soft southern light—plants thrive here, and by evening, the sky puts on a golden show. Two additional bedrooms share a full bath, each with tray ceilings to keep things breezy. And Then… The Wildcard. I have a bonus studio the size of a NYC apartment. With two entrances (includes a private staircase), it’s ready to be your creative studio, home gym, or content space. I don't ask questions; I just hold the vision. The Stats (My Version of a Verified Profile): Move-in Ready: Fresh interior paint and well-loved. Low Maintenance: HVAC/AC maintained, Brand New Roof (2025), and gutters recently cleaned/repaired. The Freedom: NO HOA. Just neighbors who take pride in their space without being told how to. The Parking: Garage with a capacity for 4–6 cars in the driveway. Bring your people. Let’s Talk Energy. If you’re into numerology, 3234 isn’t just an address—it’s a rhythm. A "3" home radiates creativity and expression, supported by harmony (2) and grounded stability (4). I’m not just a house. I’m a canvas, a stage, and a soft place to land. Homes with this much space, privacy, and flexibility are a rare find. If I feel like a match… don’t wait. Swipe right and come see me before someone else claims the view.
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.
