Some homes just feel right the moment you walk in. You open the door and the first thing you notice is the light — the way it moves across the gleaming hardwood floors and catches the edges of the granite countertops in the kitchen. The 9-foot ceilings overhead make the whole main level breathe. And somewhere between the open living room and the gourmet kitchen, it hits you: this is what coming home is supposed to feel like. Welcome to 7091 Gladstone Circle — a beautifully appointed Sutton II townhome nestled inside the sought-after Lakeview at Stonecrest community in the heart of DeKalb County. Built in 2020, this 3-bedroom, 2.5-bath residence was designed for people who want a home that works as hard as they do — without the burden of constant maintenance slowing them down. The main level flows the way a home should. The open-concept layout connects the family room, dining area, and kitchen without walls to interrupt the conversation — because whether you're hosting friends on a Friday night or just winding down with a weeknight dinner, this space grows to meet the moment. The kitchen pulls its weight with GE® stainless steel appliances, a subway tile backsplash, 42-inch wood-stained cabinetry with crown molding, and a granite island that doubles as a breakfast bar and a gathering spot. A sleek slate-surround fireplace anchors the family room, giving the space warmth that no amount of staging could manufacture. Step straight out to your private main-level patio when the Georgia evenings are too good to spend inside. Upstairs, the owner's suite earns its name. A grand tray ceiling adds architectural interest overhead while the en suite bath delivers the kind of details that turn a routine into a ritual — dual vanity, a soaking tub, a separate tile shower, and a walk-in closet that actually fits a wardrobe. Two additional bedrooms down the hall offer generous space for guests, a growing family, or the home office you've been putting off setting up. A full hall bath and a conveniently placed upstairs laundry room round out the upper level so that the practical parts of daily life never feel like an afterthought. And then there's the community itself. Lakeview at Stonecrest was built for people who want a neighborhood, not just an address. The community pool and cabana are where weekends find their rhythm. Everything else is minutes away — the Mall at Stonecrest just down the road, I-20 within easy reach, and the Arabia Mountain National Heritage Area nearby for the days when you need to trade the city for something quieter. Emory Hillandale Hospital, Chick-fil-A, Chili's, and some of DeKalb County's most accessible dining and retail are practically neighbors. This is lock-and-leave living done right. Low maintenance. High quality. Exactly where you want to be.
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.
