40 Wentworth Dr Oxford, GA 30054
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About this home
Located in the desirable Wentworth community in Oxford, GA, this charming one-story home offers 3 bedrooms, 2 full bathrooms, and convenient access to I-20, daily shopping, and dining. This home has been thoughtfully updated with a brand-new roof, new flooring in the living room, dining room, kitchen, and laundry room, and new gutters, ensuring both beauty and peace of mind for the new owner. Additionally, an air scrubber has been added to the HVAC system, providing cleaner, fresher air throughout the home. The inviting living room features elegant double tray ceilings and a cozy fireplace, creating a warm and open gathering space. The kitchen and dining area flow together seamlessly, with a breakfast bar and direct views into the living room—ideal for both everyday living and entertaining. The kitchen also provides easy access to the walk-in laundry room and attached garage. The primary suite is thoughtfully positioned on one side of the home for added privacy and features dual sinks, a soaking tub, separate shower, and a spacious walk-in closet. Two secondary bedrooms are located on the opposite side, along with a full bathroom that includes a tub/shower combo. Enjoy outdoor living in the screened back porch and additional open patio space, perfect for relaxing or entertaining. The fenced backyard includes a storage shed and plenty of room for play, gardening, or pets. Don’t miss out on this well-maintained home in a great location—schedule your tour today! Discounted rate options and no lender fee future refinancing may be available for qualified buyers of this home. Assumable Loan Available!
Source: FMLS #7634664
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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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