Experience refined living in this impeccably maintained residence, gracefully positioned within an elite swim and tennis community. Showcasing an impressive array of upscale enhancements and cutting-edge smart technology, this home masterfully blends sophistication, comfort, and security. The thoughtfully designed floor plan offers a private main-level guest suite with a full bath-ideal for distinguished guests or multigenerational living. Upstairs, the grand primary retreat serves as a true sanctuary, featuring a spa-inspired bath and an expansive custom walk-in closet. Each secondary bedroom is equipped with its own private en-suite bath, ensuring elevated comfort and privacy throughout. At the heart of the home, the chef's kitchen is a statement of style and function, appointed with premium stainless-steel appliances, double ovens, rich hardwood flooring, and designer pendant lighting that highlights a stunning oversized island-perfect for elevated entertaining and intimate gatherings alike. This fully integrated smart home is enhanced with shatter-resistant security screen doors, voice-activated ambient lighting, smart climate control, and an advanced keyless entry system-delivering seamless convenience and peace of mind. A spacious upper-level loft offers a refined flex space ideal for a private office, executive lounge, media salon, or curated playroom. Below, the approximately 1,400-square-foot unfinished terrace level presents a rare opportunity to design and customize additional luxury living space, a private gym, wine cellar, or workshop-adding immediate value and equity potential. Ideally situated near premier shopping, major thoroughfares, scenic parks, and top-rated schools, including the highly sought-after Dacula High School district, this exceptional property embodies luxury living at its finest. This is more than a home-it is a statement. Schedule your private showing today.
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.
