Welcome to 410 Hawks Nest Drive - Where Designer Details Meet Everyday Living This stunning all-brick home offers 4 bedrooms, 3 bathrooms, and 2,228 square feet of thoughtfully designed space built in 2020. From the moment you walk in, the 10-foot ceilings, coffered and tray ceilings, and heavy trim work make a statement that sets this home apart. Garage features EV charging station. The open great room is anchored by a gas log fireplace with a gorgeous stone and natural wood mantle - a showstopper in the best way. Real engineered hardwood flows through all living areas, bathed in natural light that pours in from every angle. The kitchen is where style meets function. Stainless steel appliances, quartz countertops, custom cabinetry, and under-cabinet lighting come together in a space that is as beautiful as it is practical. A direct garage access door adds everyday convenience. The split bedroom plan gives everyone their own space. Two bedrooms share a Jack and Jill bath, while the primary suite is a true retreat - a large window frames the private back yard view, and a sliding barn door opens to a spa-like bath featuring a tile shower, jetted soaking tub, dual vanities, and a closet big enough to love. Fresh paint throughout gives the whole home a crisp, move-in-ready feel. Both formal and informal dining areas give you flexibility for entertaining or quiet family dinners. Step outside and the lifestyle continues. Sitting on 0.44 acres total, and the back yard is privacy fenced with an irrigation system, an extra-large patio, and a screened back porch with a breathtaking wooded view. A sidewalk from the driveway leads right to the back yard, making it as functional as it is beautiful. Zoned for Matt Arthur Elementary, Perry Middle, and Veterans High School. Just 15 minutes from Robins AFB and I-75. Homes with this level of finish, this size back yard, and this view don't last. Schedule your private tour today.
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.
