39 N Ridge Dr NW Adairsville, GA 30103
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About this home
Escape to tranquility at 39 N Ridge Drive, where 1,368 sq ft meets the perfect balance of privacy and accessibility. This charming 3-bedroom, 2-bathroom home sits on a stunning 0.61-acre wooded lot, offering the peace you crave with easy access to I-75, Rome, Calhoun, and Cartersville. Interior Highlights: • HVAC system was replaced in spring 2025 • Tankless electric water heater installed in spring 2025 • Google Nest smart thermostat • Beautiful LVP floors flow through the living room and upstairs hallway and bedrooms • Inviting brick fireplace anchors the spacious living area • Updated kitchen features stainless steel appliances and tile flooring • Large dining area perfect for family gatherings • Spacious master bedroom with walk-in closet and relaxing soaking tub • Walk-in laundry room provides excellent storage solutions • Neutral paint throughout allows your personal style to shine Outdoor & Storage Features: • Roof was replaced in 2019 • Long private driveway creates impressive curb appeal • Mature trees provide natural privacy and beauty • Covered front porch ideal for morning coffee or evening relaxation • 2-car garage with additional storage space • Large backyard perfect for children, pets, and entertaining Location Benefits: Prime North Georgia location offers small-town charm with big-city convenience. Minutes to major highways, shopping, dining, and employment centers while maintaining peaceful residential atmosphere.
Source: FMLS #7669549
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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.