Welcome to this expansive and thoughtfully designed four-bedroom, four-and-a-half bath home, perfectly situated on 1.96 acres with a rare flat yard and driveway—offering both privacy and ease of access. The main level is designed for both everyday living and entertaining, featuring a desirable primary suite for convenience and privacy. You’ll also find a dedicated office, a formal dining room, and an open kitchen that flows seamlessly into the main living area—creating a bright and inviting space for gathering. The kitchen features Bosch double ovens, a 6-burner Dacor gas cooktop, and a microwave. A beautiful sunroom adds even more charm, providing the perfect spot to relax and enjoy views of the property year-round. Upstairs, three generously sized bedrooms, and well-appointed bathrooms offer plenty of space for family and guests. The finished terrace level is an entertainer’s dream, complete with a kitchenette, game room or gym, workshop, and access to a hot tub area—ideal for unwinding or hosting. Step outside to enjoy the updated deck (2025), perfect for outdoor living and enjoying the abundant wildlife. Additional highlights include a two-car garage, four newer HVAC units for comfort and efficiency, and a roof that’s just five years old—offering peace of mind for years to come. This home delivers the perfect blend of space, functionality, and modern updates in a beautiful setting. Bent Tree encompasses 3500 acres and features 24/7 security, a 110-Acre private, stocked lake perfect for fishing and kayaking, an 18-Hole Joe Lee designed golf course, four tennis courts (two inside for year round play and two clay courts ), six pickleball courts (four outside and two inside), two pools, a beach area, hiking trails, water falls, its own fire department and water system, a dog park, bocce ball court, basketball court, horseshoe court, playground, boat storage, boat launch area, clubhouse, restaurant, waterfalls and hiking trails. Not to mention that Bent Tree is one of the only equestrian neighborhoods in North Georgia complete with stables, pastures, and riding rings.
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.
