6011 Tradewinds Cv Gainesville, GA 30506
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About this home
Built in 2022, this 5BR/3.5BA home sits on over an acre in Dockside Cove, a gated lakeside community designed for those who value peace, privacy, and convenience. From the rocking chair front porch to the level, private backyard, every detail invites you to slow down and enjoy the quiet or a day on the lake (current boat slip rental available!). The main level offers everything you need for easy day-to-day living, including a spacious primary suite with backyard views, and a spa-style bath. The open living area features warm hardwood floors, exposed beams, and a cozy wood-burning fireplace. The gourmet kitchen includes quartz countertops, KitchenAid appliances, and a custom walk-in pantry, making cooking and entertaining simple and enjoyable. A large laundry room with sink and cabinetry is thoughtfully placed for function and comfort. Upstairs, you’ll find a second primary suite for visiting family or friends, along with two more bedrooms, a bonus room which could act as a 5th bedroom or game day space, and walk-in attic storage. The oversized 3-car garage provides extra space for hobbies, storage, or a workshop. The backyard is private and peaceful, with a covered patio, hot tub, and fire pit, plus room for a pool if you wish. Dockside Cove residents enjoy wide estate lots,a community day-use dock in deep water, and the quiet pace of lake living—canoeing, kayaking, and boating are right at your fingertips. Yet shopping, dining, healthcare, and Hwy 400 are less than 20 minutes away with Cumming, Dawsonville, and downtown Gainesville right at your fingertips. Current boat slip rental available! Ask about an assumable VA mortgage at 4.5%.
Source: FMLS #7643941
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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.