Welcome to 3713 Chulio Rd SE in Rome, GA, a 3-bedroom, 2.5-bath log-style home set on 9.32 scenic acres with room to spread out, work, relax, and enjoy a more private North Georgia lifestyle. With 1,828 square feet of living space, multiple outdoor-use areas, and a long list of practical extras, this property offers the kind of flexibility that is hard to find. From the moment you arrive, the home’s warm wood exterior, covered front porch, and peaceful wooded setting create a welcoming first impression. The acreage offers a beautiful mix of open space, mature trees, and natural privacy, making it well-suited for anyone looking for a small hobby farm setup, extra storage, outdoor recreation, or simply more breathing room. The property is in a covenant and cannot be subdivided, helping preserve the setting and surrounding acreage. Inside, the home continues the rustic feel with wood walls, wood ceilings, exposed beams, and hardwood floors that bring character throughout the main living areas. The open living, dining, and kitchen layout creates an easy flow for everyday living and hosting guests. The kitchen features dark cabinetry, stone-look countertops, stainless steel appliances, pendant lighting, and a center island with seating. The vaulted ceiling adds volume and makes the main living space feel bright and open. The primary bathroom offers a spacious vanity area and a large tiled shower with glass sliding doors, corner seat, and a modern farmhouse-inspired finish. The home provides comfortable space for everyday routines, overnight guests, and home office needs. Outdoor living is a standout feature here. The large deck and covered porch areas are ideal for summer evenings, morning coffee, grilling, or enjoying views of the surrounding trees. There is also an enclosed porch area that can serve as a play space, hobby area, pet area, or shaded flex space depending on your needs. A custom dog kennel entrance under the stairs adds a thoughtful and unique touch for pet owners. The property is also ready for storage, equipment, and projects. A separate 3-car garage provides excellent parking and workspace options, while multiple sheds and storage buildings, including a 12x32 outbuilding, offer even more room for tools, lawn equipment, feed, or recreational gear. RV parking with electric hookup is already in place, adding convenience for travel trailers, campers, or visiting guests. For those interested in a starter hobby farm, the chicken coop is a valuable addition, and the acreage offers plenty of room to plan gardens, outdoor projects, or recreational space. A hunting blind is located on the property to the left of the driveway, adding another option for those who enjoy the outdoors. The home also includes a water softener and purifier for added everyday comfort. 3713 Chulio Rd SE combines rustic charm, acreage, storage, and practical features in a peaceful Rome location. Schedule your showing today and see how this property could fit your next move.
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.
