809 Brandon Dr, Winder, GA 30680
4 beds · 4 baths · 1 sqft sqft
**Buyer financing fell thru,back on the market*** Stunning Split-Level Home in Winder, GA - No HOA Welcome to 809 Brandon Dr, a beautiful 4-bedroom, 3-bathroom split-level home in the desirable Walters Ridge Subdivision. This home offers a perfect blend of comfort, style, and functionality, all within a peaceful community with no HOA fees. Key Features: * Spacious Living Areas: Enjoy the cozy ambiance of the main living area with a fireplace, high vaulted ceilings, and an open layout that flows seamlessly into the dining room with elegant tray ceilings. * Modern Kitchen: Granite countertops, a breakfast bar, stainless steel appliances, and updated luxury vinyl floors. * Upper Level: Features a luxurious owner's suite with tray ceilings, a large walk-in closet, and a bathroom with a double vanity, garden tub, and separate shower. Two additional bedrooms and a full bath complete this level. * Lower Level: Finished lower level includes a bonus room, a spacious bedroom with a walk-in closet, and an attached full bath. Two unfinished rooms offer customization potential. * Expansive Lot: Over an acre of level backyard, perfect for outdoor enjoyment. * Recent Upgrades: New HVAC system (10-year warranty), roof, hot water heater, and a smart home/alarm system with cameras-all within the last two years. Custom floating cabinets in the laundry room. * Electric Home: Entirely powered by electricity-no gas. Septic tank cleaned in 2022. * Two-Car Garage: Includes a large storage area beyond parking. Location Highlights: * Close to shopping, dining, and entertainment options. * Easy access to major roads for convenient commuting.
Source: GAMLS #10368502
Interest rate and monthly payment estimated based on public records.
Source: GAMLS #10368502
Source: Public records
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: #10368502
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.