309 Vista Ln, Woodstock, GA 30189
4 beds · 4 baths · 2,510 sqft
PRICE ADJUSTED!! ASSUMABLE FHA LOAN! Welcome to this beautiful modern townhome nestled in the heart of the highly desirable Towne Lake area of Woodstock! This stylish residence showcases a bright and open-concept floor plan designed for both entertaining and comfortable everyday living. The main level features a spacious family room that flows seamlessly into a modern eat-in kitchen complete with stainless steel appliances, stone countertops, a large kitchen island, walk-in pantry, and views into the great room. Enjoy elevated finishes such as high ceilings, smart home features, a built-in Pest Control System from PestBan, and high-speed internet capability throughout the home. Upstairs, retreat to the luxurious primary suite, boasting a walk-in closet, a double vanity, and a sleek shower-only layout in the primary bath. Two secondary bedrooms offer flexibility for guests, children, or a home office, all served by a full bath and a conveniently located laundry room on the upper level. The terrace level adds even more versatility with a finished space—perfect for a home office, media room, or guest suite—along with a full bathroom. Relax outdoors on the rear deck, covered front porch, or enjoy the fenced front yard, ideal for pets or play. Benefit from sidewalk-lined streets, street lights, and a friendly, walkable community near top-rated schools and easy highway access. Just steps away from the scenic Greenprints Trail System, this home offers the perfect blend of nature, convenience, and comfort. Enjoy direct access to miles of walking and biking trails, with Downtown Woodstock, Reformation Brewery, and The Outlet Shoppes at Atlanta just minutes away. Dining, shopping, live music, and local events are always within reach. NO RENTAL RESTRICTIONS!
Source: FMLS #7555579
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 #7555579
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.