Welcome to Longleaf in Vinings, a gated townhome community ideally located near The Battery, Truist Park, Vinings Jubilee, West Village, and the Silver Comet Trail, with convenient access to I-285, Buckhead, Midtown, and downtown Atlanta. Ask about the assumable 2.7% interest rate for qualified buyers - a rare opportunity to secure a significantly lower monthly payment in today's market. This thoughtfully designed and extensively updated 4-bedroom, 3.5-bath townhome offers a refined blend of elevated finishes, functional living, and modern style across three finished levels. The main level showcases a designer kitchen featuring quartz countertops, custom cabinetry, stainless steel appliances, and curated hardware, seamlessly opening to the living and dining areas. Rich hardwood floors, architectural wall detailing, and designer lighting create a warm yet sophisticated atmosphere. A standout feature is the custom walk-in pantry with built-in shelving and organization, offering both style and everyday functionality rarely found in comparable homes. The living area flows effortlessly to a private rear deck and covered patio below overlooking a wide open green space, providing a rare sense of privacy and an ideal setting for outdoor entertaining or quiet relaxation. Upstairs, the primary suite is a true retreat, highlighted by a fully renovated spa-inspired bathroom with a freestanding soaking tub, frameless glass shower, double vanity, and custom walk-in closet with built-ins. Secondary bedrooms offer flexibility for guests, home office, or additional living space. The terrace level is fully finished, featuring a spacious media or lounge area perfect for entertaining, movie nights, or a private guest suite, complete with a full bath - creating a versatile extension of the home's living space. Additional highlights include a designer powder room with statement wallpaper and custom mirror, dedicated laundry room with built-in storage, and multiple upgraded closets throughout. Residents of Longleaf enjoy gated access and resort-style amenities including swim, tennis, basketball, playground, and clubhouse, offering a true lock-and-leave lifestyle. Located minutes to Smyrna Market Village, Cumberland, and major employment centers, this home delivers the ideal combination of location, design, lifestyle, and long-term value. Move-in ready and exceptionally curated - this is a standout opportunity in one of Vinings/Smyrna's most desirable communities. Sold with home warranty. Note: Several photos have been virtually enhanced.
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.
