616 Victoria Ln Woodstock, GA 30189
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About this home
Charming Updated Ranch on Spacious 0.67-Acre Lot! Oh my-this one is a must-see! You'll fall in love with this beautifully updated ranch-style home nestled on a generous .67-acre lot. From the moment you arrive, the charm is undeniable-starting with the welcoming front porch, just waiting for your swing and a morning coffee. Step inside to an open-concept layout where the kitchen, family room, and dining area flow effortlessly together. Recent upgrades include: A wall removal to open the space, Gorgeous German Schmear treatment on the fireplace, Stylish new lighting throughout, Luxury vinyl tile flooring and Fresh, bright white kitchen cabinetry. Need a little extra space? Just off the main living area is a versatile bonus room-ideal as a home office, playroom, craft space, or anything you can dream up! The main level offers 3 spacious bedrooms and 2 full baths. The primary suite boasts an expanded closet, giving you even more storage and functionality. Get ready to entertain! The massive back deck now features privacy walls-perfect for hosting friends or enjoying a relaxing evening outdoors. The new privacy fence encloses a large backyard that's great for kids or pets (yes, even the rowdy ones-human or K9!). Head downstairs to find two large rooms-one fully finished and one nearly complete-ideal for a media room, guest space, gym, office or hobby area. There's also a two-bay garage with its own backyard access. Hey guys, don't miss this hidden gem: a separate workshop at the rear of the home, complete with its own golf-cart-style garage door. It's perfect for storing lawn equipment, tools, or creating your dream DIY space. This home is full of thoughtful updates and ready for its next chapter-come see the transformation for yourself! Check out the before-and-after photos to truly appreciate the care that's gone into making this home special.
Source: GAMLS #10604024
Neighborhood
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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.