6255 James Rd, Austell, GA 30168
5 beds · 3 baths · 1,807 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Charming Country Home on 1.59 Private Acres in Austell, GA! Discover the perfect blend of country living and modern convenience in this immaculately maintained 5-bedroom, 3-bathroom home nestled on 1.59 private, tree-filled acres in the heart of Austell, Cobb County. Built in 1987 and lovingly cared for by a single owner, this home offers a serene retreat with all the updates and space you need for comfortable living. Interior highlights: Step inside to an open-concept living room that exudes warmth and style, featuring: A cozy buck stove with a stunning floor-to-ceiling stone backdrop, gleaming new flooring and fresh paint throughout the home, spacious dining room perfect for family gatherings. The upgraded kitchen is a chef's dream, boasting: Modern stainless steel appliances, sleek countertops with a stylish backsplash, new faucets and ample cabinet space for all your culinary needs. Retreat to the spacious owner-suite, complete with: A private ensuite bathroom and plenty of closet space for storage. The finished basement adds valuable living space, including: Two additional bedrooms with durable luxury vinyl plank flooring, a full bathroom with elegant tile, perfect for guests or family. Outdoor and additional features embrace the beauty of country living with: A huge inviting front porch, ideal for morning coffee or evening relaxation. Spacious back deck perfect for entertaining or enjoying the peaceful surroundings. 1.59 acres of private, wooded land with charming stepping stones that add character to the landscape. Additional perks include: A double driveway that wraps around to a 2-car detached garage with its own HVAC unit-perfect for year-round comfort and that can double as a workshop or extra storage. There's an attached garage with adequate space for cars and a dedicated workout area. Energy-efficient black windows that enhance the home's modern aesthetic. This home has been meticulously cared for, with recent updates including: New water heater installed in 2022, new HVAC unit installed in 2024, new paint and flooring throughout the home, an upgraded kitchen with modern finishes. With only one owner since its construction in 1987, this home has been lovingly maintained and is ready for its next chapter. Located in the desirable city of Austell in Cobb County, this home offers the tranquility of country living while being just minutes away from: Beautiful parks and outdoor recreation, convenient shopping and dining options. Enjoy the best of both worlds-seclusion and privacy with easy access to urban amenities. Don't miss this rare opportunity to own a piece of paradise in Austell, GA. With its spacious layout, modern updates, and serene country setting, this home is perfect for families, hobbyists, or anyone seeking a peaceful retreat. Schedule your private tour today and experience the charm and comfort of this exceptional property!
Source: GAMLS #10475644
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: GAMLS #10475644
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 and Equal Opportunity Act.