Welcome home to this beautiful 4-bedroom, 2½-bath residence, perfectly situated on a large, level backyard, fenced lot adjoining serene greenspace. Offering both comfort and flexibility, the fully finished terrace level provides the potential to add a 5th-bedroom and 3rd-full bathroom. From the moment you step through the impressive 8-foot entry door, you'll be welcomed by a bright, open atmosphere featuring 9-foot ceilings, tall windows, that add character to the home. The open-concept floor plan seamlessly connects the spacious living and dining areas to the heart of the home— the kitchen features an island with seating, pantry, separate cooktop and wall ovens, and a generous breakfast area. An expansive 8-foot-tall sliding glass door opens to the deck, creating the perfect space to grill dinner, entertain guests, or simply relax while enjoying the peaceful natural surroundings. The primary suite is a private retreat, complete with an elegant, coved ceiling, an oversized custom walk-in closet, and a beautifully renovated spa-inspired bath featuring a walk-in shower, and a soothing soaking tub. Also upstairs, the generously sized secondary bedrooms are complemented by an oversized hall bath, providing ample room for getting ready on busy mornings. The finished terrace level offers incredible versatility with space for a home office, fitness room, media room, playroom, or future guest suite. With the potential for a 5th bedroom and 3rd full bathroom this level can easily adapt to your changing needs. Outside, the extended patio and inviting fire pit create the perfect setting for relaxing evenings, with endless possibilities for play, gardening, entertaining, or enjoying the privacy and beauty of the surrounding greenspace. Enjoy exceptional resort-style amenities, including a clubhouse, swimming pool, tennis and pickleball courts, basketball courts. Located in a highly sought-after area with award-winning schools, with unmatched convenience. Just minutes from GA-400, you'll enjoy easy access to shopping, dining, and everyday essentials. The exciting Crossing at Coal Mountain development will bring over 70,000 square feet of retail, dining, and entertainment. Nearby Coal Mountain Park offers ball fields, playgrounds, walking trails, and outdoor recreation for all ages. More than just a house, this is a place to create lasting memories, build meaningful connections, and truly feel at home.
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.
