Welcome to 6268 Old Stone Mountain Road in the heart of Smoke Rise, where classic architecture, thoughtful updates, and room to grow come together in one beautifully maintained brick traditional. With more than 4,100 square feet of living space, this home offers timeless curb appeal, mature landscaping, and the rare freedom of no HOA, while taking advantage of the neighborhood amenities, creating both privacy and flexibility in one of Tucker's most established neighborhoods. Step inside to a dramatic two-story foyer and sweeping staircase that sets the tone for the home's spacious yet welcoming feel. The main level features a fireside family room full of warmth and character, a formal dining room ready for everything from weeknight dinners to holiday gatherings, and a private guest suite perfect for visitors or multigenerational living. At the back of the home, an all-glass sunporch overlooks the peaceful backyard and flagstone patio, creating the perfect spot for morning coffee or relaxed evenings outdoors. The kitchen offers granite countertops, abundant cabinetry, and a sunny breakfast nook, while a second fireplace adds classic Southern charm to the living space. Upstairs, the oversized primary suite provides a quiet retreat with generous closets, while a second-floor library leads to a large bonus room ideal for a home office, media space, or playroom. Dual front and rear staircases add everyday convenience. The terrace level is where imagination takes over. With tall ceilings, exterior access, and ample square footage, the basement is ready to be transformed into whatever your life needs next, whether that's an art studio, teen suite, in-law apartment, gym, or additional living space. Major updates deliver true peace of mind, including 32 new windows, newer roof, newer HVAC and systems, newer appliances, a professionally sealed attic for energy efficiency, and a whole-house water filtration system. The oversized two-car garage features a new insulated steel door and opener, and updated lighting throughout gives the home a fresh, modern feel. Smoke Rise offers an exceptional lifestyle with swim and tennis, pickleball, golf, walking trails, and neighborhood events, all minutes from Stone Mountain Park, Downtown Tucker's restaurants and breweries, Emory, the CDC, US-78, and I-285. You're also close to Lilburn and Gwinnett's parks and greenways, giving you the best of both counties. Spacious, updated, and filled with possibility, this home offers the kind of square footage, flexibility, and location that's getting harder to find. Move in now and grow into it for years to come.
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.
