What’s the best luxury family home on acreage near Villa Rica GA? ?? 9063 Riverbend Ct delivers space, privacy, and turnkey upgrades in one exceptional property. Welcome to a rare opportunity in Villa Rica, GA, where luxury meets everyday livability on a private 1.05-acre lot in a low-HOA community. This one-owner, meticulously maintained home offers 5 bedrooms, 3.5 bathrooms, and over 2,700 square feet, designed for families who want space without sacrificing style. From the moment you arrive, the classic brick and siding exterior, manicured landscaping, and inviting front porch create a sense of warmth and pride of ownership that’s hard to find. Step inside to discover refinished hardwood floors, detailed trim work, and natural light throughout, anchored by a soaring living room with a wood-burning fireplace, perfect for cozy nights and entertaining. At the heart of the home is the newly renovated kitchen, featuring modern cabinetry, updated finishes, and a functional layout that flows seamlessly into the main living areas. Whether hosting holidays or weekday dinners, this space delivers both beauty and practicality. The luxury primary suite offers a true retreat, complete with a fully renovated spa-inspired bathroom, providing the perfect place to unwind after a long day. Downstairs, the fully finished basement unlocks incredible flexibility: Private bedroom + full bathroom Dedicated office space Exercise room Expansive entertainment + living area Ideal for a multi-generational setup, in-law suite, or potential rental income opportunity Major system updates provide peace of mind: HVAC replaced (2023/2024) Water heater (2023) Septic serviced (2024) Step outside to your oversized backyard and elevated deck, perfect for entertaining, relaxing, or simply enjoying the privacy that comes with over an acre of land. Location. Lifestyle. Convenience. Enjoy easy access to: Clinton Nature Preserve for hiking and outdoor activities Gold Dust Park with sports courts and recreation facilities Mirror Lake Golf Club, The Frog Golf Club, and Fairfield Plantation Shopping and dining along Hwy 61, Concourse Pkwy, and Arbor Place Mall Historic Downtown Villa Rica events and local charm Why Buyers Love This Home One-owner home. Rare and well cared for Renovated kitchen + primary bath Income or in-law suite potential Over 1 acre of usable land Low HOA community Move-in ready with major systems updated
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.
