Nestled on nearly one acre of private, pool-ready grounds within the gates of The River Club, 4388 Lochsa Lane is a masterfully designed estate where timeless architecture and elevated luxury converge. Designed by renowned Caldwell & Cline Architects, this exceptional brick, stone, and shingle residence blends refined craftsmanship with effortless everyday living in one of North Atlanta’s most prestigious country club communities. A gracious covered front porch welcomes you into a stunning foyer finished with marble and rich wood flooring, while wide-plank walnut floors extend throughout the main level. The dramatic great room features soaring beamed cathedral ceilings, a cast-stone fireplace, custom built-ins, and expansive retractable sliding doors that create seamless indoor-outdoor living. At the center of the home, the chef’s kitchen is both functional and stunning, featuring marble and granite countertops, a six-burner Wolf range with double ovens, Sub-Zero refrigeration, ceiling-height custom cabinetry, an oversized walk-in pantry, and an expansive island designed for gathering and entertaining. Adjacent living and dining spaces flow effortlessly to the covered outdoor terrace, complete with a stone fireplace, multiple seating areas, and tranquil wooded views. The main-level owner’s suite offers a true retreat with a spa-inspired bath featuring a zero-entry shower, soaking tub, dual vanities, and oversized custom closets with direct laundry access. An additional ensuite bedroom, designer mudroom, and elegant powder room complete the main floor. Upstairs, three spacious ensuite bedrooms are complemented by a charming library-style hallway, media loft, and a large finished bonus space ideal for a home office, guest suite, studio, or playroom. Designed for entertaining, the terrace level features a game room, flex spaces, designer bar and secondary kitchen with leathered granite island, warming drawer, ice maker, and microwave. The walkout family room opens to a covered patio overlooking the expansive backyard with ample room for a future resort-style pool and outdoor living area. A private guest suite completes the lower level. Additional highlights include solid 8-foot doors throughout, a Control4 Smart Home System, built-in audio, heated and cooled workshop with epoxy flooring, outdoor lighting, and an oversized three-car garage. A custom pool design by Neptune Pools is available for viewing. Life inside The River Club offers an unmatched lifestyle with a Greg Norman-designed championship golf course, elegant clubhouse, full-service spa, lakeside fitness center, resort-style pools, tennis and pickleball courts, scenic Chattahoochee River trails, and an exceptional private club atmosphere. 4388 Lochsa Lane is more than a home—it is a rare opportunity to experience refined luxury, architectural excellence, and resort-style living within one of the Southeast’s most coveted gated communities.
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.
