32 Summit View Dr, Jefferson, GA 30549
4 beds · 3 baths · 2,957 sqft
Get a free consultation call with an expert in the mortgage assumption process.
New listing in Jefferson! Gorgeous 4 bedroom, 3 bathroom Craftsman-style ranch in Jefferson offering a well-planned layout, a full unfinished basement, and a 3-car garage—all on a large fenced lot. The home features hardwood floors throughout the main level, high ceilings, trey ceilings, and much more. The main level includes a dedicated office, an open living room with high ceilings, a separate dining area, eat in kitchen with island and pantry, and a split bedroom floor plan for added privacy. The expansive owner’s suite includes a large walk-in closet and spacious bathroom featuring separate tile shower and soaking tub as well as dual vanities. Upstairs, there is a large bonus room/bedroom with it dedicated private full bathroom, giving extra room to expand. Also, for those needed high speed internet access, this home has both fiber and 5G internet available. In the lower level of the home, the unfinished basement provides over another 2300 sq ft of space and has both interior & exterior access. It is stubbed for a bathroom and is ready for a future expansion with plenty of room for a home theater, gym, bedroom(s) or whatever you can dream up. It also can be used to provide plenty of space for storage. The beautiful backyard offers ample space! It is fully fenced and grassy throughout, with several mature hardwood trees that give it a natural, established feel—not the cleared, bare look you often see in newer construction. This is the kind of backyard many would want to spend time in - peaceful, with some shade, and with plenty of room for activities. Located in a quiet area with convenient access to local parks, outdoor recreation, and top rated hospitals. Plus, less than a 15 minute drive to the growing downtown of Braselton, which has a small town feel coupled with unique shopping and dining options. Homes like this don’t come along often—offering a thoughtful layout, flexible spaces, and a backyard that truly stands out. Whether you're looking for room to grow or simply a place to settle in and enjoy, this one is well worth a closer look. Don’t miss the chance to make it yours.
Source: FMLS #7576833
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: FMLS #7576833
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.