238 W Candler St, Winder, GA 30680
6 beds · 3 baths · 2,000 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to 238 W Candler Street, Winder, GA Discover the perfect blend of classic charm and modern convenience in this spacious 6-bedroom, 3-bathroom bungalow/cottage. Nestled in the heart of Winder, this home offers a fenced yard-providing a private, versatile outdoor space for relaxing, entertaining, or enjoying your favorite hobbies. Property Highlights: Six Bedrooms & Three Bathrooms - Ample space for multiple living configurations, home office setups, or guests. Charming Bungalow/Cottage Style - Classic architecture with cozy, functional interiors. Fenced Backyard - Ideal for gatherings, pets, gardening, or just enjoying the outdoors. Location, Location, Location: Walkable to Nearby Schools (Verify individual attendance zones with the school system): Winder Elementary School - ~0.4 miles Russell Middle School - ~0.4 miles Winder-Barrow High School - ~0.2 miles Enjoy the Outdoors Just a stroll away, Winder Legacy Park features a 1/3-mile walking trail, open event field, and an inclusive, ADA-accessible playground complete with the 28-foot "Barrowsaurus" rope pyramid. This thoughtfully designed public space offers recreation and relaxation for everyone. Rental Investment Potential: Whether you're looking for your next home or an income-producing opportunity, this property's location and layout offer strong rental appeal. Walking distance to schools and parks increases desirability for a broad range of renters, and the spacious floor plan can suit many different household needs. Ask us about rental investment strategies in Winder! Ready to learn more or schedule a tour? We're here to help you explore all your options-whether for living or investing. Fair Housing Disclosure: MRCO complies with all federal, state, and local fair housing laws. We do not discriminate based on race, color, religion, national origin, sex, familial status, disability, or any other protected status. This home is available to all qualified buyers.
Source: GAMLS #10504191
All values shown are estimated costs / mo.
Source: Public records
Source: GAMLS #10504191
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.