Welcome home to the freedom and space you've been searching for with NO HOA and room to truly live your lifestyle! If you've been dreaming of homeownership with privacy, flexibility, and outdoor space, this home delivers in a way that's getting harder to find. Situated on a rare, level lot of over half an acre in a quiet, established neighborhood, it offers the perfect blend of comfort, usability, and long-term potential, creating an outdoor setting that makes everyday living feel like a retreat. From the moment you arrive, you'll appreciate the new flooring and new roof, a major upgrade that brings a peace of mind and added value right away. Step inside to a warm, inviting living room centered around a cozy stone fireplace, perfect for gathering with family or unwinding at the end of the day. Natural light fills the space, and the thoughtful layout creates a connected feel between the living room, dining area, and kitchen, keeping everyone engaged and connected. The dining area flows seamlessly onto the back deck, extending your living space outdoors. Enjoy morning coffee, weekend grilling, or simply relaxing while overlooking your expansive backyard with plenty of room for pets, play, gardening, or future plans. With no HOA, you have the freedom to make it your own. The main level features a spacious primary suite with tray ceilings and a private ensuite bath complete with a soaking tub and separate shower, your own comfortable escape. Two additional bedrooms and a full bath provide flexibility for family, guests, or a home office. Downstairs, the possibilities really open up and you'll find even more versatility with a large finished living area, an additional bedroom, and a full bath with exterior access which makes it ideal for a private in-law suite, guest retreat, or potential income-producing setup opportunity. A huge plus for buyers looking to offset their mortgage or multi-generational households needing extra independence. Conveniently located just minutes from Hwy 211, I-85, and GA-316, with easy access to shopping, dining, and all that downtown Winder has to offer, this home blends peaceful living with everyday convenience. Even better, this home is USDA eligible, meaning 100% financing may be available for qualified buyers, a rare opportunity to step into homeownership with less cash out of pocket. Homes offering this combination of land, location, condition, and financing options don't last long, especially for buyers looking to maximize value and lifestyle in today's market. If you've been looking for space, flexibility, and a place to truly call your own, this home is ready to welcome you. Schedule your private showing today and experience it for yourself.
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.
