Welcome home to this beautifully updated retreat in the highly desirable Shannon Green West community, where timeless charm, generous living spaces, and everyday comfort come together. A classic covered front porch welcomes you home and creates the perfect place to enjoy morning coffee, evening conversations, or simply unwind after a long day. Inside, you'll find a spacious family room anchored by a stunning floor-to-ceiling stone fireplace that immediately sets the tone for cozy nights, holiday gatherings, and making lifelong memories. Rich flooring flows throughout the main living areas, creating an inviting space that feels both warm and open. The renovated eat-in kitchen blends style and functionality with granite countertops, stainless steel appliances, updated lighting, fresh finishes, abundant cabinetry, and plenty of workspace for everything from weeknight dinners to entertaining family and friends. The oversized primary suite is conveniently located on the main level, offering exceptional comfort with two walk-in closets and a beautifully refreshed ensuite bath featuring an updated vanity, modern lighting, and contemporary finishes. Upstairs, two generously sized bedrooms and an updated full bath provide comfortable accommodations for family, guests, or growing households. The finished lower level offers incredible flexibility and can easily become a home office, media room, fitness space, playroom, or private guest retreat. Step outside to your fully fenced backyard designed with both relaxation and entertaining in mind. Thoughtfully landscaped by a permaculturalist, the outdoor space features a fire pit gathering area, room to play, and plenty of privacy surrounded by mature trees. Conveniently located just minutes from I-20, I-285, Hartsfield-Jackson International Airport, The Battery Atlanta, Truist Park, Silver Comet Trail, Mable House Amphitheatre, shopping, dining, parks, and recreation, this move-in ready home offers the perfect combination of charm, convenience, and lifestyle. This is more than a house-it's the kind of place you'll love coming home to.
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.
