3044 Windfield Cir, Tucker, GA 30084
4 beds · 4 baths · 1,928 sqft
Located in the highly desirable Lakeside High School district, this beautifully updated 4-bedroom, 3.5-bath home offers an incredible amount of space at a price point that's nearly impossible to find inside the perimeter. Thoughtful updates to finishes include new hardwood flooring, new carpets in bedrooms, premium kitchen appliances and fixtures, and fresh paint, while the owners have also made tons of smart upgrades beneath the hood with energy-efficient windows, a newer roof, new doors, and a basement office space hardwired for CAT5 network access. The stunning remodeled kitchen, designed with timeless elegance and premium lighting, overlooks both the dining room and a well-appointed den, creating a seamless flow for entertaining and everyday living. Two of the four bedrooms feature en suite bathrooms, providing privacy and convenience for guests or family members. The expansive full basement offers a finished bonus area, abundant storage, and the perfect space for a home theater or game room. The large deck, patio area, and a true tree house are perfect for enjoying the outdoors on this quiet cul de sac lot. Just minutes from CHOA, CDC, and Emory, with an easy commute to Decatur, Midtown, and Dunwoody, this move-in-ready home is ideally situated just 15 minutes from everything!
Source: FMLS #7524628
Source: FMLS #7524628
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.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.