65 Indian Springs Dr NE, Rydal, GA 30171
3 beds · 2 baths · 1,558 sqft

Get a free consultation call with an expert in the mortgage assumption process.
Step into this stunning, completely remodeled home that blends modern comfort with serene country living. Located in the heart of Rydal, GA, this beauty boasts all-new paint, luxurious new flooring, updated fixtures, and brand-new appliances—everything is ready for you to move in and make it your own! Situated on almost 2 acres of peaceful land, you'll love the privacy and space this property provides. The oversized garage offers plenty of room for storage, while the rocking chair front porch invites you to relax and enjoy the tranquility of the neighborhood. Inside, the sunroom off the kitchen is the perfect spot to unwind and soak in the natural light, or head out to the oversized deck for breathtaking views of the expansive backyard. With no HOA restrictions, you have the freedom to truly enjoy your property. The huge backyard features a storage shed and under-deck storage, offering endless possibilities for outdoor activities or hobbies. Need more space? The basement provides an additional room perfect for a playroom, home gym, office, or whatever suits your lifestyle. Plus, you’re just minutes away from all the charm and convenience of Rydal while being tucked away in your peaceful retreat. This home has it all: great location, modern updates, tons of space, and plenty of room to grow. Don't miss out on this incredible opportunity—schedule your tour today!
Source: FMLS #7555351
All values shown are estimated costs / mo.
Source: Public records
Source: FMLS #7555351
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.
