1220 Bridge Crest Dr, Winder, GA 30680
4 beds · 3 baths · 2,274 sqft
Welcome to your new home. There is no HOA in this community, but you will immediately notice the pride of ownership as you drive up to the house. This move in ready house offers 3 bedrooms on the main floor and two full baths. There is a 4th bedroom and full bath upstairs along with a bonus space. This can be used as a second primary suite, a theatre room or an office. The ceiling heights soar from 9' to 20' and many of the rooms include gorgeous trey ceilings. There is luxury vinyl throughout the main floor and carpeting upstairs. Sunlight pours into every room of this house! New roof in 2020. You will love to cook in this kitchen with granite countertops and all stainless steel appliances and space to spread out. You have three choices to dine with an eat in kitchen breakfast bar and a large dining room. The large living room offers 20' ceilings and a cozy wood burning fireplace. The oversized primary includes a 4 piece en-suite complete with a soaking tub, shower and double sinks. Your storage needs are met with a walk-in closet and ample space for multiple dressers. The other two bedrooms on this floor are a very generous size and share a full bath with tub/shower combo and a single vanity. The upstairs bedroom can be used as a fourth bedroom/den/theatre room. There is another full bath and a smaller bonus area as well, making this all another great primary suite choice. The back yard offers a covered patio with TV and speakers that will stay with the house for your outdoor entertainment. Pull a chair up to the fire-pit on those chilly Georgia evenings. The backyard is fenced so bring the pets. There is a two car garage as well as plenty of parking space on the driveway. Book your viewing appointment today!
Source: FMLS #7543152
Financials
Source: FMLS #7543152
Source: Public records
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%. 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.
Other resourcesWhat 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.