WALKABLE VININGS RETREAT WITH ARCHITECTURAL CHARACTER, MAIN-LEVEL BEDROOM & MULTIPLE COVERED OUTDOOR LIVING SPACES Nestled among mature trees in one of Vinings’ most beloved established communities, this beautifully updated 4-bedroom, 3-bath townhome offers 2,312 square feet of thoughtfully designed living space, three covered outdoor living areas,a rare combination of architectural character, privacy, & walkability. Just steps from Vinings Jubilee, residents enjoy strolling to local restaurants, boutiques, coffee shops, and neighborhood gathering spots while still enjoying the tranquility of a private wooded setting. Inside, soaring vaulted ceilings -exposed wood beams, site-finished wide plank hardwood floors, designer lighting, & walls of glass create an unforgettable living experience filled with warmth, natural light, & architectural charm. The open-concept main level is anchored by a fireplace in the family room & flows seamlessly between the kitchen, dining area, & covered outdoor living space, creating an ideal setting for everyday living & entertaining. The updated kitchen serves as the heart of the home features quartz countertops, a dramatic waterfall island, farmhouse sink, designer lighting, thoughtfully curated finishes that blend style & functionality. Overlooking the main living areas & surrounding greenery, the kitchen is perfectly designed for gathering w/ family & friends. The home’s distinctive multi-level floor plan offers exceptional flexibility & separation of living spaces. A main-level bedroom & full bath provide convenience for guests, a home office, or multi-generational living, while the second level is dedicated to the private bedroom suites. The spacious primary suite serves as a true retreat, complete with its own fireplace, private covered deck, peaceful tree-lined views, a spa-inspired bath featuring separate vanity areas, an oversized dressing vanity, and a designer walk-in shower with large-format tile,a floating bench,luxury three-head shower system including rain, handheld, and traditional fixtures. The terrace level features a versatile fourth bedroom currently utilized as a sophisticated executive office, along with a dedicated laundry room and additional storage space. Rarely found in townhome living, the home offers exceptional storage throughout, including spacious walk-in closets in three bedrooms, dedicated storage areas, and exterior storage conveniently located off both the main-level and primary-suite decks. Outdoor living is a standout feature, with covered spaces designed to extend the home’s living areas into the natural surroundings. Enjoy a private covered deck off the primary suite, a covered deck off a secondary bedroom, a covered deck adjoining the main living area, and a welcoming front porch perfect for morning coffee or evening relaxation. From both the main living deck and primary suite deck, enjoy the peaceful sights and sounds of a neighboring waterfall and koi pond, enhancing the home’s unique retreat-like setting. Perfectly positioned in the heart of Vinings, the home offers convenient access to Vinings Jubilee, The Battery Atlanta, Truist Park, Buckhead, Midtown, Downtown Atlanta, Hartsfield-Jackson International Airport, and major interstates including I-75 and I-285. Residents enjoy a community pool, dog park, mature landscaping, and a neighborhood atmosphere that has made this enclave a true Vinings favorite. Neighbors gather poolside, walk to dinner at Vinings Jubilee, and enjoy the charm, connectivity, and sense of community that are increasingly difficult to find. Offering architectural character, flexible living space, abundant storage, multiple covered outdoor retreats, and an unbeatable Vinings lifestyle. Owner is a licensed Georgia realtor. For buyers seeking an effortless move-in experience, a turnkey furnished purchase opportunity may be available under separate agreement.
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.
