3208 Navajo Cir Gainesville, GA 30501
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About this home
Welcome to this beautifully updated 3-bedroom, 2-bath ranch, nestled in a quiet and well-established Gainesville neighborhood, just minutes from Lake Lanier, local shops, and downtown dining and entertainment. Step inside to find a bright, open layout featuring stylish LVP flooring throughout and a modern kitchen with updated appliances, sleek cabinetry, and plenty of counter space, perfect for everyday living or entertaining. This home offers more than just comfort inside. With no HOA, you have the freedom to make the space your own. The property includes a cleared side entrance, ideal for parking your boat, trailer, or RV, or even creating a custom workshop or man cave. A detached shed in the backyard provides extra storage or a perfect setup for extra space or hobby area. Enjoy outdoor living on the extended front porch, great for grilling, relaxing, or enjoying your morning coffee in peace. The spacious backyard offers even more potential to customize, add a fire pit, garden, or play area. Whether you're a first-time buyer, looking to downsize, or want a home with flexibility and charm, this property delivers comfort, style, and room to grow, all without the restrictions of an HOA.
Source: GAMLS #10616713
Neighborhood
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Close stress-free in 45 days, handled start to finish by Roam.
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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.