72 River Oaks Dr SW, Cartersville, GA 30120
3 beds · 2 baths · 1,222 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Fall in love with this meticulously renovated ranch, where modern luxury meets cozy comfort on a sprawling half-acre lot. Step inside to soaring ceilings that draw your eye upward, while warm LVP flooring leads you to a welcoming living room anchored by an inviting fireplace. The heart of this home is its thoughtfully designed open-concept space, where the dining area flows seamlessly into a kitchen featuring crisp white cabinetry, sleek black appliances, and classic subway tile backsplash. Whether you're hosting dinner parties or enjoying quiet family meals, this space brings people together. Retreat to your master suite, where tray ceilings add architectural interest and a double window floods the room with natural light. The walk-in closet comes complete with custom organization, while the newly renovated ensuite bathroom showcases luxury at every turn - from the marble-topped vanity, new mirrors, updated fixtures, ceiling and molding details, to the stunning herringbone-tiled walk-in shower. This home isn't just beautiful - it's built to last. A complete exterior renovation in 2020 kicked off a series of smart updates, including new gutters, a new water heater and pressure regulator in 2024, wrapped plumbing, new insulation and moisture barrier in 2021. Step outside to your private oasis, where a spacious fenced yard and inviting deck create the perfect setting for outdoor entertaining. A 2019-built storage shed adds practical functionality, while mature trees provide natural privacy. And just beyond the neighborhood, the Etowah River offers a touch of nature's tranquility. This isn't just a house - it's a thoughtfully updated home where every detail has been carefully considered, ready for its next chapter.
Source: FMLS #7560331
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 #7560331
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.