78 Highwoods Trl # 5057 Unit 3-5057 Ellijay, GA 30540
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About this home
Escape to the mountains in this beautifully updated 2-bedroom, 2-bath home located inside the gated Coosawattee River Resort—just one minute from the main gate. This private retreat offers the perfect blend of comfort, modern upgrades, and resort-style amenities, making it ideal for full-time living, a weekend getaway, or a high-demand short-term rental. Inside, you’ll love the open-concept layout and gourmet kitchen featuring granite countertops and modern appliances, including a new washer, dryer, stove, and refrigerator. The spacious living area flows seamlessly to the outdoors, where a large deck overlooks your private, wooded 0.87-acre lot—perfect for relaxing or entertaining. The primary suite on the main level makes for easy living on one floor, while the upper level guest suite feels like your own spa with a luxurious waterfall shower and wall jets. A six-person storm cellar adds peace of mind with extra storage and security, while recent updates such as a new roof and HVAC system make this home truly move-in ready. Living in Coosawattee River Resort means you’ll enjoy three community pools (including an indoor heated pool), tennis and pickleball courts, a fitness center, game room, river parks, playgrounds, and covered pavilions for gatherings—all within a secure, gated community. Whether you’re looking for a permanent mountain home, a peaceful getaway, or an income-producing vacation rental, this Coosawattee retreat offers the best of mountain living with resort convenience.
Source: FMLS #7663526
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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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