5045 Percival Dr Gallatin, TN 37066
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About this home
Tucked inside a cozy, active neighborhood, this 4 bedroom, 3 full bath home with a loft and 2-car garage puts everyday convenience and weekend fun within easy reach. Ideally located between Gallatin and Hendersonville, you’re under 15 minutes to either—perfect for commuting, dinner with friends, or shopping. Old Hickory Lake and nearby marinas offer quick access to boat days and lakeside dining. Only four years old and it still shows like new. Inside, the main level lives easy with LVP flooring throughout the primary living areas for a clean, durable finish that holds up to real life. The open-concept layout connects the kitchen, dining, and living spaces—great for casual weeknights or entertaining. The kitchen features quartz countertops and generous prep space, while a mudroom drop zone off the garage keeps everyday clutter contained. A main-level bedroom and full bath offer flexibility for your season of life: guest space, nursery, playroom, or quiet office. Upstairs, a loft currently serves as a reading nook and workspace but can easily become a media or game room. The spacious primary suite includes double vanities, a large shower, and a huge walk-in closet with room to grow. Two additional bedrooms, a full bath, and convenient upstairs laundry complete the second floor. Step outside to a private back patio that backs to a mature tree line—a peaceful place for morning coffee or winding down after the day. What makes this home truly special is the everyday ease: under 10 minutes to Kroger, Publix, Starbucks, Edley’s, gas stations, and doctor’s offices—so coffee runs, errands, and takeout nights are quick and simple. The small-neighborhood feel offers a quieter pace and less cut-through traffic, while still keeping you close to parks, restaurants, and community events. Every day convenience meets lake days, grocery runs, and dinner plans - they all line up here with flexible spaces perfect for now, and ready for what’s next.
Source: REALTRACS #3015385
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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.
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