1529 CARDINAL LN, Winder, GA 30680
Welcome to 1529 Cardinal Ln, a charming ranch style gem nestled in the Audubon Trace neighborhood in Winder, GA! This delightful home exudes warmth and character, offering the perfect blend of comfort and modern updates that make it an irresistible find. As you approach, you'll immediately notice the fresh new wrap and all new windows that enhance the home's curb appeal and ensure long-lasting protection. Step inside to discover a cozy living space filled with natural light, where every corner invites you to relax and feel right at home. The well-appointed kitchen is both functional and stylish, offering granite countertops and stainless steel appliances, ideal for whipping up your favorite meals and entertaining guests. The bedrooms are designed to be your personal retreat, offering a peaceful escape at the end of the day. Outside, the backyard is a private oasis perfect for enjoying morning coffee, evening gatherings, or simply soaking in the serene surroundings. A special treat comes with 1529 Cardinal Ln, a Hummingbird sanctuary with 40+ Hummingbirds visiting your backyard which backs up to a fabulous green space. What makes this home truly special is the financial opportunity it offers. Take advantage of the incredibly low 2.375% assumable VA loan, making homeownership more affordable and appealing, especially in today's market. 1529 Cardinal Ln is more than just a house; it's a place where memories are waiting to be made. Don't miss your chance to make this lovely home yours. Schedule a showing today and see all that it has to offer! Welcome Home!
You may be able to put down less than the total down payment amount of $152,276 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #10370552