Welcome to this stunning 6-bedroom, 5.5-bath traditional home located in the Estates at Hurricane Pointe community in Douglasville. Situated on a beautifully landscaped lot, this impressive three-sided brick home with a newer roof (2018) features a long, private driveway leading to a side-entry garage, offering both curb appeal and convenience. Step inside to a grand two-story foyer with soaring ceilings flanked by a sitting area to the left and a versatile main-level office or guest suite with a full bath to the right.The heart of the home is the expansive living room, showcasing dramatic coffered ceilings and a striking brick-framed fireplace, seamlessly flowing into the open-concept kitchen and breakfast area—ideal for both everyday living and entertaining. The chef’s kitchen is thoughtfully laid out with dark granite countertops, stainless steel appliances including a double oven, abundant cabinetry, and generous storage space. A conveniently located half bath enhances functionality for guests. The formal dining room features continued tray ceilings and easily accommodates large gatherings. Throughout the whole house, rich hardwood floors and oversized windows flood the home with natural light. Step outside to a spacious covered, closed in patio overlooking a serene, wooded backyard—perfect for relaxing, dining, or entertaining in a peaceful, private setting. Upstairs, you’ll find 4 generously sized bedrooms, 3 full bathrooms, and a dedicated laundry room. The oversized primary suite offers a true retreat with a sitting area and a beautifully updated ensuite bath featuring dual vanities, a soaking tub, separate tiled shower, private water closet, and two walk-in closets. Additional bedrooms are thoughtfully arranged, including a Jack-and-Jill bathroom with double vanities and another private full bathroom. The fully finished basement expands the living space even further, offering incredible flexibility as an in-law suite, guest retreat, or entertainment haven. Enjoy a stylish kitchenette/bar area with granite countertops, bar sink, ice-maker and wine cooler, and built-in microwave. A full bathroom with a tiled walk-in shower adds convenience, while the large living area with a second fireplace and additional flex room provides endless possibilities for a gym, office, or playroom. The basement opens to a lower-level deck, continuing the home’s connection to the tranquil outdoor setting. This exceptional property offers the perfect blend of space, privacy, and upscale living—an incredible opportunity in one of Douglasville’s premier communities.
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.
