This meticulously designed 4-bedroom, 4.5-bath residence, built in 2021, offers the perfect blend of modern luxury, thoughtful craftsmanship, and multi-generational versatility-all ideally positioned on a large corner lot within the highly sought-after Arbor Springs community. From the moment you arrive, the circular driveway and 3-car garage create a grand first impression. Inside, a soaring 19-foot entryway welcomes you, while 12-foot ceilings and hardwood floors throughout the main level establish a sense of openness and refined elegance. The chef's kitchen serves as the heart of the home, featuring granite countertops, an oversized island designed for gathering, stainless steel appliances, a gas range with air fryer/convection capabilities as well as an in-wall convection oven and microwave. The open-concept layout flows seamlessly into the main family room, highlighted by an electric fireplace and expansive windows that fill the space with natural light. A standout feature is the private in-law residence on the main level, complete with its own family room featuring a second electric fireplace, kitchen, bedroom, and bathroom-offering a truly independent living space ideal for multi-generational living or extended guests. Upstairs, 10-foot ceilings continue the home's spacious feel, with generously sized bedrooms and beautifully appointed bathrooms. The primary suite is a true retreat, featuring a spa-inspired bath with dual vanities, an oversized tiled shower with double shower heads, and a separate soaking tub. All secondary bathrooms are finished with tiled showers and granite countertops, maintaining a consistent level of quality throughout. Everyday convenience is elevated with dual laundry rooms-one on each level. Designed with both luxury and peace of mind in mind, the home includes a reinforced entry from the garage built as a tornado-safe space as well as Pella windows throughout to provide an extra layer of weatherproofing and noise dampening. Outdoor living is equally impressive, offering two rear patios-one off the main living area and another off the in-law suite-creating multiple spaces for relaxing or entertaining. The beautifully landscaped yard features three cherry blossom trees and two fruit trees (pear and plum), providing a serene and picturesque setting. Located within Arbor Springs, residents enjoy a golf course lifestyle with convenient access to shopping, dining, and everyday amenities, all while being just a short drive to Atlanta and Hartsfield-Jackson International Airport-offering the perfect balance of luxury, comfort, and accessibility.
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.
