Escape the ordinary and discover the freedom of country living on 10.85 private acres where wide-open spaces, mature trees, and peaceful views create the perfect backdrop for life at a slower pace. A long gravel driveway winds through the property, offering a sense of arrival as it leads you home to this beautifully maintained ranch nestled among level, usable land and surrounded by the beauty of South Georgia countryside. Built in 2007, this thoughtfully designed ranch offers approximately 2,597 square feet of single-level living with a desirable split-bedroom floor plan, soaring ceilings, hardwood floors, and an abundance of natural light. Step inside to a welcoming family room centered around a cozy wood-burning fireplace, creating the perfect gathering space for family and friends. Just beyond, the spacious kitchen is thoughtfully designed with a wall of custom cabinetry that provides separation from the family room while maintaining easy flow throughout the home. The chef of the family will appreciate the solid surface countertops, stainless steel appliances, walk-in pantry, breakfast bar, ample cabinetry, and generous workspace for everyday living and entertaining. The private owner's suite serves as a relaxing retreat with a walk-in closet with built ins, double vanity, separate shower, soaking tub, and tranquil views of the surrounding acreage. Two Additional bedrooms are thoughtfully positioned on the opposite side of the home, providing privacy and flexibility for family, guests, or a home office. The 4th bedroom is located above the garage with its own private staircase. Step outside and experience what makes this property truly special. Enjoy your morning coffee from the rocking chair front porch or unwind on the back porch while overlooking the expansive level backyard. The acreage offers endless possibilities for gardening, recreation, livestock, hunting, ATV trails, or simply enjoying the peace and privacy that comes with owning your own slice of land. Adjacent farmland provides picturesque rural views and enhances the property's country charm. Additional highlights include newer roof installed approximately 5 years ago, Recently serviced HVAC system, Private well and septic system, High-speed internet available, No HOA, Hahira Elementary, Hahira Middle, and Lowndes High School districts Whether you're dreaming of a hobby farm, family compound, weekend retreat, or simply more room to breathe, this one-of-a-kind property offers the privacy, versatility, and lifestyle opportunities that are increasingly hard to find. Come experience the beauty, space, and endless potential waiting for you at 8740 Coffee Road. Where the driveway is long, the stars shine brighter, and home feels exactly the way it should.
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.
