1203 Treemont Trce, Winder, GA 30680
5 beds · 4 baths · 3,285 sqft
Yes you CAN buy this house with no money down! Contact our preferred lender, Kristen Maddox with Johns Creek Mortgage at 678-632-0080 x 306 and get all of the details! Ask us about the Seller Interest Rate Buy Down that will save you hundreds of dollars each month and tens of thousands during the first 2 years! This house has everything you need. Adorable craftsman style two story home with a 3/4 acre fully fenced back yard. Cute rocking chair front porch lets you wave to your friendly neighbors. Grand, 2 story Foyer shows sophistication as you warmly greet your guests. In this home, the Kitchen is truly the heart of the home and is open to the Breakfast area and Family Room with beautiful stained wood cabinetry, stainless appliances and gleaming granite countertops. The huge Kitchen Island helps keep those serving platters handy for meals in the Breakfast Area and those game day nibbles handy on the bar while you're watching the game (go Dawgs!). The built-in bookcases and gas log fireplace in the Family Room wrap you in warmth and comfort all year long. Entertaining family and friends for those dinner parties is a breeze in the formal Dining Room with stunning Coffered Ceilings. Your guests can stay over in the full Bedroom Suite on the Main with its private Bath, or it can be a great space for a Home Office. Extra recipe, office or homework nook in the mud/drop area. The journey continues Upstairs to the huge Primary Bedroom, accented with French door entry and Trey ceilings. Morning routines are a breeze in the Primary Bath featuring Dual Vanities, Stained Cabinetry and Marble Countertops. Relaxing spa routines are made possible with the large Soaking Tub and the separate expanded Shower. Spacious Walk-In Closet has plenty of room for all of your storage and wardrobe needs. This home has a very large Media Room for movie or game nights with a Storage Closet for all of those board games and video games. Three additional spacious Secondary bedrooms add to the upper level and provide plenty of space for family bedrooms or an upstairs office. Full laundry room finishes off the upstairs. Come see this one for yourself!
Source: GAMLS #10382638
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10382638
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
MLS ID: #10382638
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