Nestled on a quiet cul-de-sac, this charming Victorian-style home welcomes you with a full-length front porch and timeless curb appeal. Lovingly maintained and thoughtfully upgraded over the years, this 4-bedroom, 2.5-bath home with a finished basement blends classic character with modern comfort. From the moment you arrive, you'll notice the quality and care the owner has put into this home. From the-Hardie Plank siding, covered gutters, newer soffits and fascia, fresh exterior paint, and updated shutters all enhance durability and style. The front entry door and sidelights were replaced, and even the front staircase has been rebuilt for a beautiful and secure welcome. Inside, the heart of the home is the beautifully remodeled kitchen, featuring Sile-stone quartz counter tops, custom cabinetry, commercial grade tile flooring, updated electrical and plumbing, soft-close doors, pull-out pantry shelving, and stainless steel appliances replaced in 2023. (stove had air fryer built in)The kitchen opens to a sunny bayed breakfast area overlooking the private, wooded backyard. Laundry room on main level & dryer is set up for either gas/electric. Custom table and bench fits perfectly in there for a cozy meal. Formal living and dining rooms showcase elegant Pergo flooring, while the inviting family room features built-in bookcases, wainscoting, and a cozy gas fireplace-perfect for entertaining or relaxing. Updated lighting with dimmer switches enhances the dining room, kitchen, and lower level. Upstairs, the spacious tray-ceiling in the primary suite offers a spacious walk-in closet and a spa-like bath with a whirlpool tub, double vanities, and a fully replaced shower. The secondary bath tub/shower was also replaced, along with all updated hardware. All secondary bedrooms are spacious. The finished basement provides exceptional flexibility-ideal for a home office, gym, craft room, or guest retreat-with new LED lighting and dimmers and ceiling fans. Enjoy side entry garage with long FLAT driveway that offers lots of parking in addition to being in the middle of two cul de sacs in the back of the neighborhood. Exceptionally low HOA fees include neighborhood amenities of swimming pool, tennis and pickle ball courts, clubhouse, beach volleyball, and playground. This home is a rare find where since it's an original owner the HOA is optional for the next buyer. All this, just minutes from Lake Allatoona, KSU, local parks, campgrounds, grocery stores (6), outlet shopping, and the vibrant downtown areas of Woodstock, Acworth, Kennesaw, and Canton-this location is truly a hidden gem. Close to 75/575, Express lanes to make it easy to commute around the Metro Atlanta....
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.
