1529 Cardinal Ln, Winder, GA 30680
3 beds · 2 baths · 1,426 sqft
Back on Market due to no fault of sellers! Welcome to 1529 Cardinal Ln, a charming haven nestled in the heart of the beloved Audubon Trace neighborhood in Winder, GA! This delightful home seamlessly blends modern upgrades with cozy comforts, making it an ideal sanctuary for you and your loved ones. As you arrive, you'll immediately notice the brand-new siding and gutters, giving the exterior a fresh and inviting appeal. The home boasts new windows throughout, allowing an abundance of natural light to fill every room and create a warm, welcoming atmosphere. Step inside to discover a lovingly updated interior. The heart of the home-the kitchen- features stainless steel appliances, including a new dishwasher, and gleaming granite countertops that provide ample space for meal preparation and entertaining. Perfect for whether you're hosting a dinner party or enjoying a quiet family meal. The cozy living spaces flow effortlessly, perfect for both relaxation and making memories with family and friends. The bedrooms offer peaceful retreats at the end of the day, each filled with soft light and the promise of restful nights. Venture outside to your private backyard oasis, where you'll find a spacious 12x16 storage shed that remains with the property. It's an ideal space for storing outdoor equipment, setting up a workshop, or pursuing your favorite hobbies. One of the most remarkable features of this home is the incredible financial opportunity it presents. Benefit from an assumable VA loan at an astonishingly low rate of 2.375%, making homeownership not only a dream but an affordable reality. 1529 Cardinal Ln is more than just a house-it's a place where you can plant roots, build dreams, and create a lifetime of cherished moments. With its thoughtful updates and heartwarming charm, this home is ready to welcome you with open arms. Don't miss the chance to make this delightful residence your very own. Schedule a showing today, and step into a future filled with comfort, joy, and endless possibilities!
Source: GAMLS #10370552
Source: GAMLS #10370552
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: #10370552
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.