Discover the timeless charm of this stunning 4-bedroom, 3-bath Craftsman home nestled in the heart of vibrant Edgewood, one of Atlanta's most dynamic and sought-after intown neighborhoods. Step inside this beautifully maintained residence, where classic Craftsman elegance meets modern comfort in true move-in-ready condition. Hardwood floors flow throughout the living area and kitchen, adding warmth, character, and that authentic Craftsman feel underfoot. The living spaces are anchored by a cozy fireplace on the main level—perfect for gathering on cooler evenings or creating a focal point for relaxed entertaining. The recently renovated bathrooms showcase contemporary style and luxury finishes, while the open-concept kitchen—featuring sleek stainless-steel appliances, gleaming granite countertops, and an inviting layout perfect for everyday living or hosting friends. Bathed in abundant natural light that pours through large windows, the main level offers seamless flow and effortless living. Highlights include a spacious primary bedroom suite with its own tub and separate shower, plus a versatile secondary bedroom/office complete with a full bath—ideal for guests, remote work, or a growing family. A standout large, screened porch provides the perfect spot to relax and enjoy Atlanta's mild evenings, while an adjacent deck extends your outdoor living space for barbecues, morning coffee, or simply unwinding amid the neighborhood's peaceful surroundings. Upstairs, two additional generous bedrooms share a convenient Jack-and-Jill full bath, offering privacy and comfort for family or visitors. Exterior highlights include durable, low-maintenance Hardiplank siding that preserves the home's classic architectural character while ensuring long-term beauty and ease of care. Located in thriving Edgewood, you're just moments from trendy local spots like Bonafide Deluxe for epic sandwiches, eclectic dining, coffee shops, parks, and easy access to the Beltline's Eastside Trail. Enjoy walkability to groceries, vibrant retail, and quick commutes to Downtown Atlanta, Inman Park, Little Five Points, and beyond. This neighborhood blends historic charm with modern energy—perfect for families, young professionals, and anyone seeking an active, community-oriented lifestyle. Don't miss this rare opportunity to own a piece of Edgewood's magic in a home that's ready for your next chapter. Schedule your private tour today—this gem won't last long!
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.
