Turnkey living meets thoughtful design in this beautifully maintained 4-bedroom, 3.5-bath craftsman-style home nestled in the sought-after Barrington Estates community. Built in 2015 — and enhanced at construction with a 4-foot rear extension adding permanent square footage — this 3,768 SF home across two stories and a finished basement offers every comfort a discerning buyer could want, without a single item left on the to-do list. Step inside to soaring 9-foot ceilings on the main level, gleaming luxury vinyl plank floors (2019), and an open-concept layout anchored by a gourmet kitchen featuring stainless steel appliances, a gas cooktop, granite countertops, a center island with sink, dark wood cabinetry, and an impressive backsplash. Crown molding, recessed lighting, and a fireplace in the main living area set an elegant tone throughout. The main level also features a formal dining room, a comfortable living room with surround sound wiring in the ceiling, a private home office tucked into its own dedicated nook, and a half bath — perfectly suited for both daily living and entertaining. Upstairs, retreat to a spacious primary suite with a tray ceiling, walk-in closet, and an en suite bath complete with a garden tub, separate stall shower, and double vanity. Three additional bedrooms, a loft area, and a full hallway bath with double vanity round out the upper level. The finished basement is a true bonus, featuring tile flooring (2023), a media/home theater room wired and equipped with surround sound speakers, a full bath, and a flexible living area — ideal for guests, a gym, or game room. Outdoor living is where this home truly shines. A fully rebuilt deck (2024) with stair access to the backyard connects to an under-decking system (2024) with ceiling fans and electrical, creating a covered patio off the basement — perfect for rainy-day entertaining. Then there's the screened-in lanai — the sellers' favorite spot in the house, and it's easy to see why. Morning coffee, evening wine, a good book, a phone call with a friend — this is the kind of space that quietly becomes the best part of your day. A gas line stub at the rear deck is ready for your dream grill or fire feature, and a designated fire pit area in the backyard awaits your personal touch. A professionally engineered retaining wall (2016) expanded the usable yard, and a private fenced backyard completes the outdoor picture. Smart and efficient: enjoy a tankless on-demand gas water heater, a generator-ready electrical panel with zone-based backup capability, built-in Cat5 low-voltage wiring throughout the home, and fresh interior and exterior paint (2026). The garage features a built-in dog wash/utility bath and overhead storage racks. Community amenities include a pool, tennis courts, and more — all within the award-winning Lanier High School cluster. Minutes to I-985, I-85, GA-400, Lake Lanier, and Mall of Georgia. This home is move-in ready and waiting for its next chapter. Don't miss your opportunity — schedule your showing today.
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.
