2529 Tomoka Dr, Bethlehem, GA 30620
5 beds · 4 baths · 3,552 sqft

Get a free consultation call with an expert in the mortgage assumption process.
Step into style, space, and comfort in this beautifully upgraded Craftsman nestled in the highly sought-after Berry Springs Community. Like-new and loaded with upgrades, this stunning 5-bedroom, 4-bath home offers over 3,500 sq ft of stylish, functional living. Meticulously maintained and carpet-free throughout, this home features an open-concept layout with a chef’s kitchen — complete with granite countertops, stainless steel appliances, and a walk-in pantry — overlooking the spacious family room with a cozy fireplace. A main-level guest suite with full bath is perfect for visitors or multi-gen living. Upstairs, unwind in the oversized primary suite with spa-like bath, dual vanities, and separate his and hers walk-in closets. Secondary bedrooms are generously sized, and the upgraded movie room offers the perfect flex space. Enjoy outdoor living under the extended covered back patio, ideal for relaxing or entertaining. The 3-car garage provides ample parking and storage. Located just minutes from shopping, dining, and top schools, with easy access to major highways. This move-in ready home combines comfort, space, and convenience — all in a swim/tennis community with sidewalks and streetlights. Prime Location, Unbeatable Convenience! Nestled just off Hwy 316, this spot offers super easy access to I-85 or Athens — perfect for commuters, weekend warriors, and everyone in between. You're less than 10 minutes from the brand-new Harbins 316 Plaza — home to Publix, the new Chick-fil-A, plus amazing dining and retail options. And if you’re craving a shopping spree, the Mall of Georgia in Buford is just a quick 25-minute drive away. Location goals? Achieved. Don't miss your chance to own this exceptional home - schedule your private tour today and experience all that Berry Springs has to offer!
Source: FMLS #7559934
All values shown are estimated costs / mo.
Source: Public records
Source: FMLS #7559934
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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.
