412 Live Oak Pass, Loganville, GA 30052
5 beds · 4 baths · 4,244 sqft
Get a free consultation call with an expert in the mortgage assumption process.
STOP THE CAR!!! This Stunning 4-Sided Brick Beauty in the Highly Coveted Baycreek Gated Community is waiting for its next perfect Owner! Welcome to the elegance, comfort, and space in the award-winning Loganville School Cluster. This 5-bedroom, 4-bathroom home has it all—perfectly blending luxury and functionality. From the moment you arrive, the inviting rocking chair front porch sets the tone. Step inside to gleaming hardwood floors and a grand foyer flanked by a formal dining room with coffered ceilings and custom crown molding. Across the hall, a spacious guest suite with a full bath offers the perfect retreat for in-laws or visiting guests. The expansive family room flows seamlessly into a chef’s dream kitchen featuring a MASSIVE island, stainless steel appliances, granite countertops, an oversized walk-in pantry, and ample cabinet space. Entertain in style with a separate butler’s pantry and built-in wine rack—ideal for hosting or crafting your favorite cocktails. Upstairs, prepare to be amazed by the truly oversized master suite, complete with a large sitting room—perfect for a home office, nursery, or personal gym. The luxurious en-suite bath boasts a dual vanity, soaking tub, custom tile shower with glass enclosure, and a dream master closet with direct access to the laundry room for ultimate convenience. Three additional spacious bedrooms upstairs offer soaring cathedral ceilings, walk-in closets, and access to two more full bathrooms. One bedroom even opens to its own private balcony—your perfect spot for morning coffee or quiet evenings. All of this is situated on a level, flat lot in a beautifully maintained and gated community, just minutes from top-rated Baycreek Elementary and Loganville schools. Homes of this size and quality rarely come on the market—don’t miss your chance to make this DREAM home YOUR reality! Schedule your showing today!
Source: FMLS #7576714
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: FMLS #7576714
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.