Welcome home to this beautifully designed 5-bedroom, 3-bath retreat with a full unfinished basement, perfectly tucked away on a private, wooded cul-de-sac lot. From the moment you step through the charming stone archway and onto the welcoming front porch, you’ll feel the warmth and character this home offers. Inside, you’re greeted by a light-filled, inviting interior made for both everyday living and memorable gatherings. The main level features a convenient guest bedroom and full bath—ideal for visitors or multi-generational living. A stylish butler’s pantry leads into the heart of the home: a chef-inspired kitchen showcasing granite countertops, an oversized island with breakfast bar seating, and abundant prep space—perfect for entertaining with ease. Upstairs, the luxurious primary suite offers a peaceful retreat. The spacious primary bathroom features dual vanities and a generously sized walk-in closet, providing both comfort and functionality. Also located upstairs are three additional bedrooms, offering plenty of space for family, guests, or a home office. The conveniently located upstairs laundry room adds ease and practicality to everyday living. A large bonus room/loft completes the upper level, perfect for a media room, play area, or flex space tailored to your needs. The full unfinished basement presents incredible potential—create a home theater, gym, additional bedrooms, in-law suite, or the ultimate entertaining space. With ample square footage and endless possibilities, it’s truly a blank canvas ready for your vision. Step outside to enjoy the beautifully professionally landscaped yard, thoughtfully designed to complement the natural wooded backdrop. The double-deck overlooks serene, private views—ideal for morning coffee or evening gatherings. The backyard offers space to relax, play, and enjoy the outdoors. Located in a vibrant swim/tennis/pickleball community with playground amenities and just minutes to I-575, shopping outlets, award-winning Cherokee County schools, and only 10 minutes to Downtown Woodstock, this home blends comfort, style, privacy, and convenience into one exceptional opportunity.
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.
