Welcome Home to 110 Mears Street - where charm, comfort, and convenience meet. Tucked away on a quiet street in a friendly Winder neighborhood, this delightful 3-bedroom, 1-bath home offers the perfect mix of small-town warmth and modern comfort. Sitting on a spacious, level .39-acre lot with no HOA, this property not only feels peaceful but also qualifies for 100% USDA financing-making it an ideal choice for first-time buyers or anyone looking for affordability without compromise. Step onto the inviting front porch, the perfect place to sip your morning coffee or unwind after a long day as the sun sets. Inside, you'll find a bright, cheerful kitchen with stainless steel appliances, plenty of cabinetry, and generous counter space - everything you need for cooking and gathering with family or friends. This home offers two living areas, giving you flexibility for today's lifestyle. One features gorgeous hardwood floors, built-in bookshelves, and space to relax or entertain, while the other can easily serve as a home office, playroom, or media room. Recent updates bring peace of mind - the roof and water heater are under 4 years old, and the HVAC was just serviced in September 2025, ensuring comfort and peace of mind for years to come. Outdoor living is a highlight here. Enjoy the covered and open deck areas for grilling or gatherings, plus a concrete pad that's perfect for extra seating or a fire pit. The fenced backyard offers plenty of room for pets, play, or even a garden, and the double gate access makes it easy to park a truck, trailer, or small tractor. Located just minutes from SR 211, Hwy 8, and SR 53, you're close to everything - downtown Winder's shops, restaurants, and the exciting new brewery, while still enjoying the peace and space of a tucked-away neighborhood. Whether you're starting out, settling down, or simply looking for a place that feels like home, 110 Mears Street welcomes you with open arms.
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
