Welcome to 830 Garden Hills Loop, nestled in the highly sought-after Buckhead East community of Richmond Hill...where comfort, connection, and modern living come together effortlessly. This beautifully maintained 4-bedroom, 3-bath home offers 2,276 square feet of thoughtfully designed space, blending smart technology, stylish upgrades, and everyday functionality. From the moment you arrive, there's an undeniable sense of "this is it." Step inside to a light-filled, open floor plan that seamlessly balances daily living with spaces made for gathering. A formal dining room sets the stage for holidays and celebrations, while the eat-in kitchen featuring brand new quartz countertops offers a clean, contemporary feel perfect for everything from quiet mornings to entertaining guests. The home's split floor plan provides both comfort and privacy. The primary suite on the main level serves as a peaceful retreat with its own en suite bath, while two additional bedrooms and bathrooms on the main floor make everyday living simple and functional. Upstairs, a private bedroom with its own en suite and walk in closet creates the ideal space for guests, a teen retreat, or a tucked-away office. Designed with modern living in mind, the home is equipped with a smart system featuring Z-Wave technology, Alexa voice activation, and a central Smart Hub, allowing you to control lighting, temperature, and more with ease. A brand-new HVAC system ensures energy efficiency and peace of mind, while additional features like front yard irrigation, gutters with leaf guards, and a transferable termite bond add convenience behind the scenes. Step outside to your own private retreat. A fully fenced backyard offers both privacy and flexibility, with beautifully laid pavers creating the perfect setting for outdoor gatherings, grilling, or relaxing evenings under the stars. A 144-square-foot shed provides additional storage or workspace, and the yard offers plenty of potential to customize and make it your own. Life in Buckhead East is where this home truly shines. This vibrant, amenity-rich community is designed for connection and an active lifestyle, featuring two pools (including a walk-in pool), golf cart-friendly streets, scenic ponds for fishing, and a full calendar of neighborhood events. Residents enjoy walking-distance access to McAllister Elementary School, as well as close proximity to Duval Henderson Park, offering sports fields, trails, playgrounds, a dog park, and indoor recreation facilities. Tucked into a charming neighborhood, this is the kind of place where evening walks turn into conversations, weekends are spent outdoors, and everyday life feels just a little more connected via the extremely active neighborhood social committee. This isn't just a place to live...it's a place to land, to gather, and to grow. Welcome home!
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.
