19 Spring Lake Trl, White, GA 30184
5 beds · 4 baths · 4,972 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Step into a home where breathtaking lake views and timeless elegance come together seamlessly. The grand entrance welcomes you with soaring ceilings and floor-to-ceiling windows, filling the space with natural light and offering a stunning view of Lake Vaughn. A cozy sitting area invites you to pause and take in the serene surroundings. To the right, French doors open to a private office, creating a quiet retreat. The main-level primary suite is a sanctuary of its own, featuring a trey ceiling, sunroom with expansive windows, and private access to the covered back deck...perfect for unwinding. The en suite bath offers a spa-like experience with a walk-in shower, whirlpool tub, dual vanities, and his & hers spacious walk-in closets. The kitchen is designed for both beauty and function, with floor-to-ceiling cherry-stained cabinetry, granite countertops, an oversized island, breakfast bar, double ovens, and an electric cooktop. A custom walk-in pantry provides abundant storage. Just beyond, the keeping room features a stacked stone gas fireplace, adding warmth and charm. Hardwood floors flow throughout the main level, connecting the soaring dining room to two secondary bedrooms that share a full bath. A third full bath, with easy access to the covered deck, is perfect for guests enjoying the backyard oasis. The laundry room is thoughtfully designed with a folding table and retractable hanging rack. The fully finished basement expands the possibilities with a walkout to the backyard, a full secondary kitchen, theater room, and abundant storage. Two bedrooms, one with an en suite bath, create the perfect in-law suite or private apartment. A covered patio with a hot tub adds to the retreat-like feel. Outside, a saltwater pool overlooks the lake, with a custom gazebo ready for an outdoor kitchen. Whether entertaining, swimming, or watching the sunset over the water, every moment here is designed to be unforgettable. Don’t miss this rare opportunity!
Source: FMLS #7516779
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: FMLS #7516779
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 and Equal Opportunity Act.