Timeless John Weiland-built home featuring one of the LARGEST FLOOR PLANS in Centennial! Its impressive brick facade, framed by crisp white columns and mature landscaping, blends classic architecture with Southern charm. A welcoming FRONT PORCH, covered BALCONY, window boxes, and detailed trim create exceptional curb appeal that stands out beautifully within the neighborhood. Inside, an extra-wide foyer with elegant wainscoting sets the tone for the refined interiors. A private home office sits at the front of the home, while the adjacent dining room is perfectly suited for entertaining and special occasions. Designed for both everyday living and hosting, the kitchen features granite countertops, a window-lined sink, center island, abundant cabinetry, walk-in pantry, double wall ovens, and a bright breakfast area overlooking the FENCED backyard. The spacious great room with custom built-ins and fireplace flows seamlessly to the oversized SCREENED PORCH and open-air deck with peaceful views of the tree-lined yard. Upstairs, the expansive primary suite offers a tray ceiling, dual walk-in closets, and a vaulted ensuite bath with double vanities, jetted soaking tub, tiled shower with glass enclosure, and private water closet. A junior suite with private bath, two additional bedrooms connected by a shared bath, a conveniently located laundry room, and an enormous flex space/second family room with balcony access complete the upper level. The light-filled FINISHED TERRACE LEVEL, accessible from both interior and exterior entrances, is ideal for MULTI-GENERATIONAL LIVING or extended guest stays. This exceptional space includes two gathering areas, two bedrooms, a full bath, generous storage, and a SECOND FULL KITCHEN with access to a private patio. Residents of Centennial's amenity-rich community enjoy a clubhouse, resort-style pool with waterslide, tennis courts, playground, green spaces, and community events. Located in the sought-after McIntosh School District, this home also includes a GOLF CART GARAGE and access to Peachtree City's 100+ miles of paved multi-use paths connecting residents to dining, shopping, parks, and more. Come live life in the Bubble and Experience Life at 15 mph.
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.
