Nestled on 2.01 private acres in the Ball Ground area of Forsyth County, this beautifully appointed 6-bedroom, 4-bath home, with primary room on main floor, offers the perfect blend of space, comfort, and serene outdoor living. From the moment you arrive, the setting invites you to slow down and enjoy the privacy and natural beauty that define this sought-after area. Inside, the home features a thoughtfully designed floor plan, all freshly painted, spanning 2,927 square feet, ideal for both everyday living and entertaining. The welcoming living spaces are anchored by a cozy fireplace, creating a warm focal point for gatherings, while abundant natural light enhances the home's inviting atmosphere. The layout provides flexibility for families, guests, or work-from-home needs, with generously sized bedrooms and well-appointed bathrooms throughout. The kitchen and main living areas flow seamlessly, offering a comfortable space to connect, entertain, and unwind. Whether hosting casual meals or larger celebrations, this home is designed to bring people together while maintaining a sense of ease and functionality. Don't forget about the full unfinished basement, already stubbed, waiting for a finishing touch for more living space and potential. Step outside and enjoy the true highlight of the property. A recently added and massive stone patio, which includes an outdoor fireplace and fire pit, providing endless possibilities for outdoor enjoyment. The 2+ acres also includes a sizable fenced in area for any recreational, gardening, animal/equestrian needs. This home combines timeless construction with modern comforts. Located in Ball Ground, residents enjoy the charm of a close-knit community with easy access to shopping, dining, and everyday conveniences, while still embracing a more tranquil lifestyle. This property is an exceptional opportunity to own acreage, space, and comfort in one of Forsyth County's most desirable areas - perfect for those seeking room to grow, gather, and create lasting memories.
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.
