Welcome to this spectacular, move-in ready home that shows like a true model home where natural light, privacy, and refined design come together effortlessly. This beautifully maintained 4-bedroom, 2.5-bath 2023-built home offers an exceptional blend of elegance, comfort, and functionality. Meticulously cared for and designed for modern living. From the moment you enter, you are welcomed by abundant natural light pouring through oversized windows, creating a bright and inviting atmosphere throughout. The formal dining room makes a stunning first impression, highlighted by a statement ceiling beam and designer lighting, adding warmth and architectural sophistication. The main living area is both elegant and comfortable, centered around a beautiful fireplace and framed by serene outdoor views perfect for everyday living and entertaining alike. The chef-inspired kitchen leaves nothing to be desired, featuring stone countertops, crisp white cabinetry, stainless steel appliances, and a spacious island, seamlessly connecting to the main living spaces. Upstairs, the exquisite owner’s suite serves as a private retreat, complete with tray ceilings and peaceful, tree-lined views. The spa-like bathroom showcases a soaking tub, a beautifully tiled walk-in shower, and refined finishes throughout. The secondary bedrooms are bright, airy, and generously sized, providing flexibility for family, guests, or a home office. Step outside onto your private deck, where you’ll enjoy spectacular, layered views of a golf course and a natural wooded backdrop offering a rare sense of privacy, tranquility, and connection to nature. The basement is already partially finished and thoughtfully prepared for expansion, featuring existing framing, plumbing, and abundant natural light with direct exterior access. With space for a future kitchen, bathroom, bedroom, and spacious living area, it presents an incredible opportunity for an in-law suite, guest quarters, or additional living space. Situated on over half an acre, this home offers both space and privacy, while being conveniently located just minutes from Lake Lanier’s parks, marinas, and outdoor recreation. Impeccably maintained, 2023-built, and completely move-in ready, a home that shows like a model and immediately stands apart the moment you walk in. Homes with this level of light, privacy, and thoughtful design are rarely available. Schedule your private showing and experience why this one feels different.
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.
