Stunning 5 Bedroom Home in Sought-After Belmont Neighborhood – Sope Creek Elementary District! Welcome to your dream home in the highly desirable Belmont community! This expansive 5-bedroom, 4.5-bathroom residence sits on a quiet cul-de-sac lot and offers the perfect blend of luxury, space, functionality, and entertainment—all within walking distance to the award-winning Sope Creek Elementary. The freshly painted main level features a spacious, light-filled open floor plan with soaring ceilings, a cozy fireplace in the family room, and seamless flow into the kitchen and breakfast nook. The kitchen boasts granite countertops and a double pantry. Just off the family room, step out onto a private double-leveldeck overlooking the newly fenced backyard—ideal for entertaining or relaxing. This home offers a true PRIMARY ON MAIN, providing ease and privacy. The owner's suite impresses with trey ceilings, dual walk-in closets (his and hers), and a spa-inspired bathroom featuring a soaking tub, separate shower, leathered granite countertops, and a double vanity. The main floor also includes a half bath, a generous dining room, a dedicated office or flex room, and a convenient laundry room. Upstairs, you'll find three additional bedrooms, including one with a private en-suite bath and two connected by a Jack-and-Jill bath—as well as a bright landing area perfect for a reading nook, study zone, or play space. The finished terrace level is an entertainer’s dream! Enjoy movie nights in the THEATER ROOM, challenge friends in the billiards room, and work out in your private gym space. A full wet bar, kitchenette, additional bedroom, and full bath complete this incredible basement level—ideal for gatherings, house guests or multi-generational living. This home also features NEW HARDWOOD FLOORS throughout and has been freshly painted, creating a bright and move-in ready space. Additionally, it offers a spacious 3-car garage, a newly fenced backyard for privacy and play, and a generous deck perfect for outdoor gatherings. Throughout the home, high ceilings and abundant natural light enhance the open and airy atmosphere. Located just minutes from The Battery and within walking distance to Sope Creek National Park and Sope Creek Elementary—a National Blue Ribbon School—this home offers easy access to I-75, making Buckhead, downtown Atlanta, and the airport just a short drive away. The neighborhood is served by top-rated schools including East Cobb Middle, a Reward School, and Wheeler High, ranked #2 STEM school in the country. Nearby, you'll find excellent dining, shopping, and recreational options to enjoy. Enjoy a short walk to all that the community of Belmont offers, with its pool/tennis amenities right around the corner! Don’t miss this rare opportunity to own a beautifully designed home in one of East Cobb’s most coveted neighborhoods. MOTIVATED SELLER!! 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.
