280 Shore Crest Dr Martin, GA 30557
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About this home
Welcome to your dream log cabin retreat in Winsor Shores conveniently located between Toccoa and Lavonia, GA. This stunning 3-bedroom, 3.5-bath home was built with sustainably sourced Satterwhite logs and sits on a level 1-acre lot just minutes from Lake Hartwell. Offering the perfect balance of rustic charm and modern convenience, this nearly new home invites you to relax, entertain, and enjoy life near the lake. Step inside to find gorgeous wood finishes, recently refinished solid wood cabinetry, and an open-concept floor plan filled with natural light. The spacious living areas flow effortlessly into a beautifully designed kitchen, ideal for hosting family and friends. Just off the kitchen, you'll find a spacious laundry room and a convenient half bath. Each bedroom is generously sized and features its own en suite bath, complete with stylish tile showers and custom seamless glass doors. The primary suite, located on the main floor, offers comfort and privacy with a large walk-in closet. Outside, unwind on the expansive covered front porch or make use of the detached, insulated two-car garage with water and power-perfect for RV or boat storage, hobbies, or a workshop. Enjoy seasonal lake views and the convenience of Lake Hartwell access just around the corner. The sellers have loved this home and community, but are relocating to be closer to work-creating an incredible opportunity for you. Move right in and experience the best of Lake Hartwell living in the highly sought-after Winsor Shores neighborhood!
Source: GAMLS #10595490
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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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.