Nestled along the pristine shoreline of Lake Sinclair, this exceptional custom-built home offers the perfect blend of luxury, comfort, and timeless lakefront living. Situated on a beautifully landscaped, deeded lot with approximately 170 feet of private waterfrontage and panoramic water views, this thoughtfully designed home showcases superior craftsmanship, elegant finishes, and an unparalleled connection to one of Georgia's most sought-after recreational lakes. From the moment you arrive, the home's striking architectural design and welcoming curb appeal set the tone for what awaits inside. The expansive open-concept floor plan is filled with natural light, featuring oversized windows and breathtaking lake views from nearly every room. Rich hardwood flooring, custom millwork, designer lighting, and premium finishes create an atmosphere that is both sophisticated and inviting. At the heart of the home, the gourmet kitchen is designed to impress. Custom cabinetry, quartz countertops, stainless steel appliances, a spacious center island, and an inviting dining area overlooking the water make it ideal for both everyday living and entertaining. A generous walk-in pantry provides exceptional storage and convenience. The adjoining great room serves as a stunning gathering space, anchored by a beautiful stone fireplace and offering seamless access to the expansive covered lakeside porch-perfect for hosting guests or simply enjoying peaceful mornings and relaxing evenings by the water. The luxurious owner's suite is a private retreat featuring spectacular sunrise views over the lake, custom his-and-her closets, and a spa-inspired bath complete with a soaking tub and an oversized walk-in shower with dual shower heads, offering the ultimate relaxation experience. Additional guest suites provide comfortable accommodations with well-appointed bathrooms and ample privacy for family and visitors. Designed for both relaxation and recreation, the outdoor living spaces create a true resort-style retreat. The private saltwater pool offers a refreshing escape on warm Georgia days, while the adjacent hot tub provides the perfect place to unwind and take in the tranquil setting. The private dock offers deep-water access and endless opportunities for boating, fishing, swimming, and lakeside enjoyment. A fire pit and multiple gathering areas invite memorable evenings spent with family and friends under the stars. Beautifully manicured grounds surround the property, showcasing lush lawns, mature landscaping, colorful seasonal plantings, and thoughtfully maintained gardens that enhance both beauty and privacy. Expansive wraparound porches and outdoor entertaining spaces provide abundant room for dining, lounging, and hosting guests throughout the year. Adding to the property's exceptional convenience, an irrigation pump located at the dock supplies lake water to assist with maintaining the lush landscaping and pristine grounds, supporting efficient and effortless exterior upkeep. A spacious outbuilding accommodates every aspect of lake living. This versatile space easily stores water toys, kayaks, fishing gear, lawn equipment, recreational vehicles, and seasonal items, ensuring everything remains organized and readily accessible while preserving the home's refined aesthetic. Additional premium features include a Rinnai tankless water heater and a whole-home Generac generator, providing comfort, efficiency, and peace of mind year-round. For those traveling from afar, Baldwin Regional Airport is conveniently located nearby, allowing owners and guests to fly in for a weekend getaway and begin enjoying the lake lifestyle almost immediately! Offering an extraordinary combination of luxury, recreation, convenience, and natural beauty, this remarkable Lake Sinclair waterfront estate presents a rare opportunity to experience the very best of lakefront living. ASK ABOUT THE REMARKABLE 2.25% Assumable VA Loan for qualified buyer!
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.
