Tucked away on a private wooded homesite, this beautifully maintained residence offers the perfect balance of comfort, flexibility, and convenience. From the moment you arrive, you'll appreciate the sense of privacy while still being just minutes from shopping, dining, healthcare, recreation, and Interstate 75. Step inside and you'll immediately notice the spacious layout, abundant natural light, soaring ceilings, and the pride of ownership evident throughout the home. The inviting living areas provide plenty of room for everyday living and entertaining, while the real masonry fireplace creates a warm focal point for gathering with family and friends. The kitchen flows naturally into the main living spaces, making it easy to stay connected whether preparing dinner, hosting holidays, or simply enjoying quiet evenings at home. The primary suite offers a comfortable retreat with generous space to unwind, while the additional bedrooms provide flexibility for family, guests, or home office needs. What truly sets this home apart is the professionally finished terrace level. Designed with accessibility in mind, it features a beautifully appointed ADA-compliant kitchen, bedroom, bathroom, and private exterior entrance. Whether you're accommodating multigenerational living, welcoming long-term guests, creating a private workspace, or exploring rental income opportunities, this versatile space adapts to your lifestyle in ways few homes can. Beyond the living areas, the oversized garage and exceptional storage make this property especially appealing for hobbyists, car enthusiasts, or anyone needing additional workspace. A professional-grade hydraulic vehicle lift and commercial air compressor are available separately, providing a unique opportunity for the right buyer. Major improvements have already been completed, including a newer architectural roof with a transferable lifetime warranty, newer HVAC systems, replacement windows, newer carpet, and the added peace of mind of a one-year home warranty provided by the seller. Step outside and enjoy the peaceful wooded setting, where the backyard offers the perfect place to relax, entertain, or simply enjoy nature. Ideally located just minutes from Piedmont Henry Hospital, Costco, Sam's Club, Publix, Target, Sprouts, restaurants, fitness centers, entertainment, the new Henry County Aquatic Center, and everything McDonough and Stockbridge have to offer, this home combines everyday convenience with exceptional versatility. Homes offering this level of flexibility, accessibility, quality updates, and location rarely become available. Schedule your private 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.
