1920 Lee Patrick Dr Dacula, GA 30019
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About this home
This beautiful 4-bedroom, 2.5-bath traditional brick-front home is located in the highly sought-after Gwinnett County School District, zoned for Harbins Elementary, McConnell Middle, and Archer High School. Built in 2012 and offering over 2,500 sq. ft., the home features a spacious layout with a bright two-story foyer, separate dining room, open family room with fireplace, and a chef’s kitchen with ample cabinetry. The upper level includes a large owner’s suite with a spa-like bath and generous closet space, plus three additional bedrooms. Enjoy peace of mind with a brand-new HVAC and water heater installed in 2025. Situated on a 0.71-acre lot, the property provides both curb appeal and a private backyard perfect for outdoor living. Conveniently located just minutes from local parks, shopping, and dining, with quick access to Sugarloaf Parkway and GA-316 for an easy commute.
Source: FMLS #7655534
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FAQs
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
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