340 Tom Bell Rd Milner, GA 30257
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About this home
Welcome to 340 Tom Bell Rd — a slice of country paradise on 12 acres in peaceful Milner, GA. This beautifully updated 3-bedroom, 2-bath home blends comfort and function in all the right ways, starting with brand new hardwood floors that flow seamlessly throughout the entire 1,716 square feet of living space. Step into the renovated kitchen, where you’ll find modern finishes, plenty of counter space, and a layout that’s both stylish and practical — perfect for daily meals or weekend gatherings. Outdoors, the possibilities are wide open. A massive 2,000-square-foot detached building with full power and HVAC offers ideal space for a workshop, storage, studio, or hobby zone — whatever you can dream up. A fully built chicken coop adds a touch of rural charm and the freedom of fresh eggs each morning. And yes — hunting is allowed right on your land, giving outdoor enthusiasts an extra reason to fall in love with this property. Surrounded by open farmland and rolling acreage, the property offers a tranquil setting where you can spread out and enjoy the views, the space, and the freedom of country living — without giving up essential comforts. Whether you’re looking for a peaceful escape, room to grow, or just a home with character and space, this one checks all the boxes. Don’t miss your chance to own this one-of-a-kind property. Schedule your showing today and come experience it in person!
Source: FMLS #7620115
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Close stress-free in 45 days, handled start to finish by Roam.
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If you find a better price on any home, we’ll match it.
FAQs
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.