4965 Bagley Terrace Dr, Alpharetta, GA 30004
4 beds · 4 baths · 4,072 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to this stunning 4-bedroom, 4-bathroom home, situated on over half an acre in a peaceful cul-de-sac. The partially finished basement includes a spacious open living area, full bathroom, kitchenette, and a bonus room—perfect for flexible living or entertaining. A long driveway leads to an attached two-car garage, upgraded with epoxy flooring, decorative wall accents, and built-in shelving—combining utility, style, and thoughtful design. Step through the double-height entryway into a thoughtfully crafted interior. Rich hardwood floors flow throughout much of the main level. To the right, a flexible room ideal for a home office or sitting area; to the left, a formal dining room that flows into an open concept kitchen featuring granite countertops, high-end stainless steel appliances, and a large walk-in pantry. The kitchen opens into the vaulted living room, where expansive windows fill the space with natural light and a gas fireplace adds a warm focal point. Adjacent to the kitchen and open to the living area, a bright sunroom provides a seamless extension of the interior. Step outside the living room to a multi-level, stone-tiled deck framed with rich wood railings and sleek balusters—an exceptional outdoor space that stands out in both design and scale, rarely seen and sure to be a standout feature to impress! A guest bedroom is located on the main level, with access to a full bathroom that also serves the main living area. Upstairs, the spacious primary suite features two oversized walk-in closets and a luxurious en-suite bath with a whirlpool tub, separate walk-in shower, and dual vanities. Two additional bedrooms, a full bathroom, and a laundry room complete the upper level. All appliances, including the washer and dryer, along with furniture throughout the home, can remain with the sale—highlighted by a brand-new bedroom set. The only exclusions are the furnishings in the primary bedroom. An expansive unfinished section of the basement offers ample space for storage, a home gym, workshop, or future living area—offering endless possibilities to make it your own. Conveniently located near top-rated schools, shopping, dining, just minutes from Fowler Park, Halcyon, and The Collection at Forsyth. Enjoy access to a community pool, two tennis courts, a clubhouse, and a playground—all within a thoughtfully maintained neighborhood where pride of ownership shines. Schedule your tour today and take the first step toward making this exceptional home your own!
Source: FMLS #7538793
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: FMLS #7538793
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.