5855 Windjammer Pt, Cumming, GA 30041
6 beds · 4 baths · 5,294 sqft
Welcome to a beautiful residence in a prestigious gated community, where luxury and leisure seamlessly blend. Built in 2021, this home showcases exquisite craftsmanship with all custom finishes and design elements, reflecting unparalleled attention to detail and modern elegance. Offering an open floor plan with 6 bedrooms and 4.5 baths, highlighted by soaring high ceilings and custom finishes throughout. The heart of the home is the stunning kitchen, featuring high-end stainless steel appliances and elegant custom cabinetry. It flows effortlessly into the family room with its soaring high ceilings and a charming fireplace, making it a cozy retreat for gatherings or quiet evenings. The kitchen opens directly onto a spacious deck. This outdoor extension of your living space is perfect for lounging while enjoying the serene views of your lush, private backyard. The expansive backyard is where you'll find a fire pit ideal for gatherings and quiet evenings under the stars. The expansive primary suite is a luxurious retreat featuring dual "his and hers" walk-in closets and a spa-like large bathroom complete with a spacious standing shower and a deep soaking tub, offering a perfect sanctuary for relaxation. The fully finished basement offers a complete in-law suite with its own kitchen and laundry room, ensuring comfort and privacy for guests. Additionally, the basement features a theater room and a gym, enhancing your lifestyle with entertainment and fitness options at home. Residents of this community enjoy exclusive access to a pool, tennis court, and a private dock, elevating your living experience to new heights. This home is a perfect blend of elegance, functionality, and community amenities, offering an unparalleled living experience. This thoughtfully designed layout not only enhances the home's aesthetic appeal but also fosters a warm and inviting atmosphere, perfect for creating lasting memories. Schedule your private tour today and allow extra time to see the lake access and outstanding neighborhood amenities.
Source: GAMLS #10401089
Source: GAMLS #10401089
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
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.
MLS ID: #10401089