1670 Bismarck Cir, Winder, GA 30680
4 beds · 3 baths · 2,268 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to this meticulously maintained 4-bedroom, 2.5-bathroom home, nestled on a private, wooded .66-acre lot on a quiet street in charming Winder, Georgia! Enjoy peaceful mornings on the classic rocking chair front porch, and step inside to a spacious, open floor plan designed for comfort and style. The updated kitchen features stunning white cabinetry, a new island and chic tile backsplash, and a walk-in pantry with custom wood shelving and cabinetry. Ideal for entertaining, the kitchen opens seamlessly to a breakfast area and a cozy family room complete with a warm fireplace. There’s also a large dining room for hosting gatherings, and a conveniently located half bathroom on the main floor. Recent updates include solid flooring throughout, modern light fixtures, and a chic tile backsplash in the kitchen. Upstairs, the spacious owner’s suite offers a beautifully renovated bathroom, showcasing a tiled, glass-enclosed shower. Three additional bedrooms share a bathroom with a private shower space, while a generous laundry room adds convenience to the upstairs layout. Step outside to a backyard built for enjoyment and relaxation! The property’s private, wooded surroundings create a peaceful retreat. A brand-new, covered back porch with an extended slab overlooks the expansive, fully fenced yard. Enjoy mature apple trees (Red Delicious and Granny Smith), a banana tree, and a fig tree. The backyard is perfect for gatherings, complete with a cozy fire pit area for relaxing evenings under the stars. As an added bonus, explore the spacious 12 x 16 WORKSHOP outfitted with sheetrock, insulation, electric, and air conditioning — ideal for year-round projects. With no HOA restrictions, this serene .66-acre property is a rare find! This is your chance to own a beautifully updated home with an amazing backyard in a peaceful, convenient location. Don’t miss it!
Source: FMLS #7485763
All values shown are estimated costs / mo.
Source: Public records
Source: FMLS #7485763
To qualify, you must meet the current FHA or VA 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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.