Welcome to a truly rare offering in one of Johns Creek's most sought-after communities: a fully renovated 6-bedroom home in the amenity-rich Medlock Bridge neighborhood. From the moment you arrive, exceptional curb appeal draws you in with professional landscaping, an idyllic charming covered front porch, and elegant double front doors. Step inside to a bright and airy 2-story foyer that features all-new modern stairwells and railings that set the tone for the open and thoughtfully updated spaces. The main level flows together effortlessly, anchored by an expansive chef's kitchen featuring an oversized eat-in island with quartz countertops and ample built-in storage. A built-in kitchen desk doubles as a workspace or as a butler's pantry and serving area, while convenient pass-through windows connect seamlessly to the covered screened-in porch and scullery for effortless hosting. A large scullery with quartz and butcherblock counters, ceiling-height cabinetry, and floating shelves provides beautiful and functional storage and prep space. The kitchen opens to an inviting living room with detailed touches that add a layer of warmth to the space, including a floating fireplace mantle, exposed beams, and coffered ceilings. An open formal dining room, flexible main-level room with bay windows and an ensuite bath (ideal as a home office or guest room), and a practical mudroom/drop zone round out the main floor. An additional, separate garage bay was added, expanding storage space to accommodate 3 vehicles. This home also boasts exceptional indoor-outdoor living with its covered, screened-in porch with a stacked stone fireplace that ensures year-round enjoyment. The large backyard is a private resort-style escape, featuring a pool surrounded by a flagstone patio, lush green space, and an additional paver patio perfect for al fresco dining. Upstairs are five spacious, sun-drenched bedrooms. The luxurious primary suite features high-volume tray ceilings, a large walk-in closet and a spa-inspired ensuite with vaulted ceilings, double vanity with granite countertops, and a glass-enclosed standing shower. Two bedrooms share a refreshed jack-and-jill bath, while two additional bedrooms share another full bathroom with double vanity. The fully finished terrace level adds remarkable versatility with a dedicated gym, large flex space for a game room/rec space or second living area, a media/theatre room, and a private room with an ensuite full bathroom that would be ideal as a private guest retreat. Residents of Medlock Bridge enjoy world-class amenities including pools, tennis courts, pickleball and volleyball, sport courts, playgrounds, a fishing lake, nature trails, two clubhouses, and a full calendar of year-round community events and activities. The home is also nearby to highways, top-rated public and private schools, St. Ives Country Club and the Atlanta Athletic Club, restaurants and retail at the Avalon, and the highly anticipated Medley development a 43-acre mixed-use destination coming Fall 2026. This is the one you've been waiting for an updated space that is as elegant as it is functional in a vibrant and amenity-rich community.
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.
