Discover life in The Georgian, one of Villa Rica’s most sought-after golf communities. Home to a breathtaking 18-hole championship course crafted by Tom Fazio, this neighborhood offers a true resort-style lifestyle. Residents enjoy a zero-entry swimming pool, multiple sport courts (tennis, basketball, and volleyball), several playgrounds, scenic walking and biking trails, and a vibrant clubhouse with dining and community events all year long. Built in 2021, this charming 4-bedroom, 2.5-bath home is perfectly positioned on a quiet cul-de-sac, just steps away from the pool, playground, and more. It’s the ideal blend of modern convenience, thoughtful design, and an unbeatable location within The Georgian. Step inside to a welcoming two-story foyer that leads to a versatile dining room/office/flex space—perfect for work, hosting, or additional living. The open-concept white kitchen boasts granite countertops, a spacious island with seating, stainless steel appliances, a walk-in pantry, and a convenient butler’s pantry, all flowing into the bright breakfast area. The inviting living room features a brick fireplace with gas logs and a beautiful wood mantel, creating a cozy setting for gatherings. Just off the kitchen, enjoy year-round outdoor living on the covered back deck, complete with its own brick fireplace and gas logs—a true highlight of the home. Upstairs, all four bedrooms are thoughtfully arranged together. The oversized primary suite offers a spa-like retreat with a walk-in tile shower, soaking tub, dual vanities, and a large walk-in closet. The additional full bathroom also includes double vanities, making busy mornings a breeze. The main level includes a guest half bath, a large laundry room, and a convenient drop zone as you enter from the 2-car garage. The home sits atop an unfinished basement, offering endless potential—add a media room, gym, additional bedrooms, workshop, or keep it for extra storage. And to make this opportunity even more appealing, the home offers an assumable 2.5% mortgage rate (buyer must qualify through the lender and provide the required down payment). This beautiful home in The Georgian truly has it all—location, amenities, modern finishes, outdoor living, and room to grow. Don't miss your chance to own in one of West Georgia’s premier communities. Easy access to the interstate (I-20).
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.
