527 W Church St, Villa Rica, GA 30180
4 beds · 2 baths · 2,200 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Beautiful cottage with all the updates all within walking distance to Historic Downtown Villa Rica and The MILL amphitheater, where you can catch live music, enjoy local shops, grab a bite, or stroll through festivals and farmers markets all year long. Set on a spacious corner lot, this 4BR/2.5BA home blends character, comfort, and thoughtful updates with unexpected features you'll fall in love with. The backyard? A private, fenced-in retreat with a finished she-shed-heated, cooled, and ready to be your studio, office, or quiet getaway. There's also a separate treehouse tucked beneath the shade trees, a huge poured patio, and a large deck just waiting for your next cookout. Got a motorhome or extra vehicles? You'll appreciate the additional parking and electric hookup already in place. Inside, the home is bright, welcoming, and full of personality. Beautiful hardwood floors run throughout the main level, with tile in the bathrooms and beautiful LVP in the standout kitchen! The kitchen is gourmet-sized and stylish, completely refurbished just a few years ago! You'll have plenty of storage and prep space for everyday meals or entertaining. One of the home's most unique features? Two laundry setups. The main laundry area is conveniently located in the kitchen (and easily closable for a cleaner look), but there are also hookups in the basement. Whether you're accommodating a multi-gen household or just enjoy options, this is a rare find-two laundry rooms is usually something reserved for the ultra-lux crowd. The full daylight basement offers approx. 600 sq ft of finished living space, currently used as a 4th bedroom or bonus family room with a half bath-perfect for teens, guests, or game nights. Recent upgrades include: new roof, new windows, new chimney cap, new gutters with gutter guards-all the big stuff has been handled, so you can move in with peace of mind and start living. The location ties it all together: just 8/10 mile to Tanner Medical Center, 2 miles to I-20, 34 miles to Downtown Atlanta, 15 miles to Carrollton, and 31 miles to the Alabama state line. Commuting is easy. Dining, shopping, and medical care? Just minutes away. Whether you're drawn by the location, the layout, or the lifestyle perks (hello, she-shed and treehouse!), this home offers something rare: a place that feels like home the moment you walk in.
Source: GAMLS #10517988
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: GAMLS #10517988
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.