Location, luxury, and lifestyle come together in this light-filled end-unit townhome in gated Heritage at Roswell’s desirable Lakeside section—one of the community’s larger extended floorplans with three fully finished living levels. Offering approximately 2,776 square feet of low-maintenance living, this rare end-unit includes extensions on every level: a bright sunroom, an oversized Primary Suite with private sitting room or office, and an expanded terrace level that lives like its own suite. Fresh paint, newer carpet, and a 2020 HVAC system mean you can move right in and immediately enjoy the resort-style amenities and prime Roswell location. The main level is ideal for everyday living and entertaining, with a welcoming foyer that opens to a spacious fireside great room and open-concept dining area that easily seats a crowd. The well-appointed kitchen provides abundant cabinetry, ample counter space, and a functional layout for cooking and gathering, while the adjacent sunroom extension floods the space with natural light and offers flexible use as a keeping room, casual dining area, playroom, or home office. Just off the sunroom, the deck is perfect for grilling or relaxing in this peaceful, low-maintenance setting. Upstairs, the oversized Primary Suite is a true retreat, featuring a private sitting room that works beautifully as a second office, reading nook, or quiet lounge. The spa-inspired bath includes a jacuzzi tub, separate shower, double vanities, and generous closet space. Additional bedrooms and baths provide plenty of room for family, guests, or dedicated work-from-home space, all enhanced by high ceilings and excellent storage. The expansive terrace level is a standout, functioning as a teen or in-law suite, guest retreat, or media/game room, complete with a full bath and two oversized closets. With its private feel and access to the outdoors, this level offers incredible flexibility for multigenerational living, long-term guests, hobbies, or a home gym. Heritage at Roswell delivers resort-style living with two pools, fitness center, four tennis courts, a scenic lake, walking trails, parks, and a beautifully appointed clubhouse—all within a secure, gated community. Zoned to highly regarded Mountain Park Elementary, Crabapple Middle, and Roswell High and near Queen of Angels and Blessed Trinity, the home offers outstanding school options. Enjoy quick access to Publix, Target, Home Depot, dining and shopping along Hwy 92, the charm of Historic Canton Street, and convenient routes to GA-400 and beyond. If you’re seeking a spacious, move-in-ready end-unit with extensions on all three levels, flexible spaces for today’s lifestyles, and an amenity-rich gated community in the heart of Roswell, this Heritage at Roswell townhome is a must-see.
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.
