Welcome home to this timeless Craftsman featuring a welcoming front porch that immediately invites you to slow down and stay awhile. Step inside to a dramatic two-story foyer filled with natural light and an airy sense of space. The fireside family room creates a warm yet open atmosphere, seamlessly flowing into the kitchen—perfectly designed for both everyday living and effortless entertaining. The kitchen blends timeless style and functionality with granite countertops, a center island, walk-in pantry, stainless steel appliances (gas range), abundant cabinetry, and a charming corner sink overlooking the backyard. Glass doors lead directly to the deck, creating the perfect setting for grilling, gathering, or simply enjoying peaceful backyard views.The main level offers a functional and versatile layout featuring a separate dining room, elegant front sitting room, guest bedroom, and full bathroom—perfect for hosting guests or accommodating flexible living needs. Upstairs, the spacious primary suite feels like a private retreat with tray ceiling and double-door entry leading to an en-suite bathroom featuring an extended double vanity, walk-in shower, separate water closet, generous walk-in closet, and a large soaking tub perfectly positioned beneath a picture window. Three additional secondary bedrooms complete the upper level, including two with walk-in closets, all sharing a well-appointed hall bathroom. A conveniently located upstairs laundry room adds everyday practicality. The finished terrace level expands the home’s versatility with spaces thoughtfully designed for the way you live today—featuring a workout room, full bathroom, office, highlighted by a large barn door and expansive open entertaining area complete with a bar and easy access to the backyard patio. Step outside to an oversized patio offering multiple areas for relaxing, dining, entertaining, or play. The fully fenced backyard provides both privacy and peace of mind for pets and children. Notable upgrades include brand NEW carpet, NEW interior paint, NEW microwave with Air Fryer function, NEW Dishwasher, and many SMART-home features. Extra storage in the basement and outdoor shed. Ideally located approximately one mile from everyday conveniences including coffee shops, grocery stores, dining, pharmacy, gym, gas stations, and a movie theater. Conveniently close to the Carter Road Silver Comet Trailhead and Dogwood Golf Club. Approximately three miles to Powder Springs, three miles to Wellstar Cobb Medical Center, and nine miles to Marietta. This is more than a home—it’s a place where everyday moments become lasting memories and the perfect setting to begin your next chapter. Must see in person! Ask about assumable loan.
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.
