966 Blue Ridge Ave NE, Atlanta, GA 30306
5 beds · 4 baths · 3,000 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Truly a rare find! Welcome to this timeless 1920 Craftsman that has been lovingly updated with a down to the studs renovation blending historic charm with modern luxury. With only three owners in its history, this home has been cared for with immense pride and attention to detail. A beautiful gas lamp lights your way to the bungalow-style front porch where you can relax with a morning coffee or evening glass of wine while chatting with neighbors. Inside, the home opens to a spacious living room anchored by a large wood-burning fireplace, windows filling the room with light making the space full of warmth and character. Entertain in style in the formal dining room, complete with a full wet bar and enjoy making culinary masterpieces in the chef’s kitchen featuring: granite counter tops, Viking range and oven with hood vent, hanging pot rack, large island with a vegetable sink, and hang out in the sunny eat-in breakfast area! The primary suite includes an ensuite bathroom with a clawfoot tub, while the second bedroom offers abundant natural light and charm. A half bath in the hallway completes the main level. Upstairs, you'll find two more generously-sized bedrooms, a full bath, a laundry area, and an adorable reading nook or kids' play corner. Downstairs, the fully finished terrace level offers amazing flexibility—use it as a fifth bedroom suite, separate kids area, in-law apartment, or income-producing rental. It includes: bedroom, full bath, kitchenette, living space, and separate entrance and laundry area. Plus, there's an expansive daylight basement—perfect for a workshop with a vice and compressed air hoses all ready to go, a gym, or extra storage. Relax or entertain in your private backyard that includes a vintage a 1950s BBQ pit, hot tub, and kids’ tree house. Additionally there is an EV charging station that is conveniently located next to the parking pad. There is an ability to access to the alley way in back that connects to Linwood. Last house that can connect. So many add-ons to list! Yard is fenced with a functioning remote controlled iron gate with an invisible fence for the dogs, NEST subscription with four cameras and two thermostats and more! Over 3200 sq/ft, spacious rooms, 10 ft ceilings and a bonus of dry basement space of 1000 sq/ft Let's talk about location! Walking/biking distance to everywhere! Easy access to the Beltline, Ponce City Market, Va/Hi, Inman Quarter, Poncey Highland businesses, L5P, Carter Center Farmer’s Market to name a few! What a great place to live! This is more than just a home—it’s a piece of history, lovingly restored and ready for its next chapter.
Source: FMLS #7551705
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 #7551705
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.