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7590 Little Mill Rd, Cumming, GA 30041

3 beds · 2 baths · 1,762 sqft

NO HOA! As you step into this beautiful ranch home on 1 +/- Acre you’ll experience a place where every detail has been crafted for your comfort and joy. The welcoming front porch beckons you to enter this amazing home where you’ll at home! Starting with the heart of the home—the kitchen offers sleek stainless-steel appliances, a thoughtfully designed and functional workspace, and a spacious island with plenty of extra seating. It's a haven for any cooking enthusiast, ensuring they’ll be eager to showcase their culinary skills in style! As if this wasn’t enough, the cozy breakfast room has NEW cabinets and extra counter space, the perfect spot where you can sip your morning coffee and soak in the peaceful surroundings. The separate open concept dining room offers immediate access to the Kitchen, ideal for hosting intimate family dinners or lively gatherings with friends. The bright and airy family room is a definite room of relaxation! The stunning stacked-stone fireplace invites you to curl up on those chilly evenings or cozy up for family movie night. And when the day ends, the oversized master awaits with a large seating area and direct access to the screened porch, complete with a spa-like Master bath sporting custom tiled shower, separate tub and double vanity. The 2 secondary bedrooms are equally spacious and versatile, ready to adapt to your family’s needs—whether it’s for children, guests, or a home office. A second full bath completes this smart, functional floor plan. Added bonuses include the awesome screened porch where you can relax overlooking the expansive fenced-in backyard providing an ideal setting for outdoor fun, gardening, or simply relaxing in nature. Whether you need space for an RV, boat, or dream of building your own pool, this home has all the room you’ll ever need. Despite its serene location, this home is conveniently located to dining, shopping, and top-rated schools, including the highly sought-after East Forsyth High. This property is where your next chapter begins—a place of warmth, joy, and endless possibilities.

Roam helps you take over the seller’s lower interest rate 1
We help you assume the seller's mortgage and avoid higher prevailing market rates.

45-day closing guarantee 2
We work directly with the mortgage servicer to help you quickly and easily close the transaction.
Location
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Details
Home
Size
1,762 sqft
Lot size
1 acres
Year built
2020
Type
Single Family Residence

Source: FMLS #7476306

How it works

Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.

Tour

Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.

Offer

Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.

Close

Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.

Who can qualify

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 580, 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.

Frequently asked questions

What is Roam?

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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.

What is an assumable mortgage?

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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.

Why is an assumable mortgage valuable?

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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.

How can you find assumable mortgage listings?

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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 “Get Notified” 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.

How do I qualify for an assumable mortgage?

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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 580, 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.

View all FAQs
Last updated: Oct 30, 2024 08:19 am
Listing agent: John R Cook
Listing provided courtesy of: Keller Williams Realty Community Partners (678) 341-7400
Details provided by FMLS and may not match the public record.
MLS ID: #7476306
Listings on this website come from the FMLS IDX Compilation and may be held by brokerage firms other than the owner of this website. The listing brokerage is identified in any listing details. Information is deemed reliable but is not guaranteed. If you believe any FMLS listing contains material that infringes your copyrighted work, please visit https://www.fmls.com/dmca.htm to review our DMCA policy and learn how to submit a takedown request. © 2025 FMLS.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.
Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 30 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.