Tucked away at the end of a quiet cul-de-sac, this beautifully crafted 2006 Worley Brothers home sits on nearly five peaceful acres-offering the perfect blend of open green space and mature woods that provide natural privacy. Inside, the welcoming two-story layout immediately feels like home. The main-level owner's suite serves as a private retreat with direct access to the rear deck and a newly renovated spa-like bath featuring a seamless glass shower with rain showerhead, soaking tub, quartz countertops with vessel sinks, and a boutique-style walk-in dressing closet. Just down the hall, an office or guest bedroom-easily a potential 5th bedroom-sits beside a full bath, creating an ideal guest setup or work-from-home space (with Charter Spectrum internet available!). Upstairs, three spacious bedrooms offer thoughtful touches: one boasts a private bath perfect for a teen suite, another features an enormous walk-in closet, and a tiled full bath with separate wet area and dual-sink vanity serves the remaining spaces. A cozy loft adds a great flex area for lounging, studying, or play. At the heart of the home is a beautifully renovated gourmet kitchen that will make any cook smile! Outfitted with stunning quartz countertops, abundant cabinetry, a sleek tiled backsplash, and stainless steel appliances-including 5-burner gas cooking beneath a striking vent hood and JennAir double ovens-this kitchen blends style and function effortlessly! You'll love the large corner pantry and the sunlit breakfast area with vaulted ceiling, perfect for slow mornings. The formal dining room just off the kitchen is ideal for dinner parties and holiday gatherings. The two-story family room is truly breathtaking with its soaring 19-ft ceiling, dramatic stone accent wall, and cozy floor-to-ceiling fireplace. French doors open to the rear deck, creating a seamless connection between indoor and outdoor living. Additional highlights include a grand two-story foyer, a spacious laundry room with utility sink, and an attached 2-car garage. Thoughtful upgrades shine throughout-beautiful trim details, smooth ceilings, recessed lighting, refinished hardwood flooring in the main living areas, and tile in all wet spaces. And with a brand-new septic system, you'll enjoy peace of mind for years to come. Outside, your private oasis awaits! The in-ground saltwater pool, framed by a classic white picket fence and expansive entertaining deck, promises endless summer enjoyment and the poolside palm trees may make you forget that you're not on vacay! With nearly five acres to explore, there's plenty of room to roam, garden, play, or simply soak in the natural beauty. Come experience the quiet life that Upson County has to offer! You're just a little over an hour from Atlanta, Hartsfield-Jackson International Airport, and Columbus-and only an hour to Peachtree City, Newnan, and Macon, plus just 15 minutes from Zebulon's VA Medical Center. Come see for yourself why this property feels like the perfect place to slow down, spread out, and truly settle in.
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.
