83 Henry Williams Rd Toccoa, GA 30577
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About this home
Welcome to your dream home in the heart of Franklin County, where modern comfort meets the tranquility of the countryside. Surrounded by gently rolling farmland and wide-open skies, this beautifully built 5-bedroom, 2-bath home offers 2,195 sq ft of thoughtfully designed living space on two level, usable acres-perfect for families, hobbyists, and anyone craving space to breathe. Step inside to a bright and open floor plan featuring a massive living room that invites gathering and connection-whether it's cozy nights in or weekend entertaining. The spacious kitchen and dining area flow seamlessly into the living space, creating a layout that's as functional as it is inviting. With five generously sized bedrooms and two large bathrooms, there's plenty of room for everyone to spread out. The primary suite offers a peaceful retreat, while the additional bedrooms are ideal for family, guests, or even a home office or gym. Outside, the possibilities are endless. The nearly 1,200 sq ft three-bay garage is a dream come true for car enthusiasts, woodworkers, or anyone in need of serious storage and workshop space. And with two full acres of level land, there's plenty of room for gardens, animals, outdoor projects-or simply soaking in the beauty of rural Georgia sunsets. Built with care and ready for move-in, this nearly new home offers the perfect setting for a peaceful, purposeful lifestyle. Whether you're starting a homestead, need space for big dreams, or just want a quiet place to call home, this property delivers it all.
Source: GAMLS #10630086
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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.