8325 Loch Lomand Ln Winston, GA 30187
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About this home
This one is special. A beautiful three-bedroom, two-and-a-half-bath ranch tucked in a quiet, newer lakeside community where peace and style meet. Step inside and you'll be greeted by high ceilings, open-concept living, and sunlight that fills every corner. This house is still brand new The kitchen is a showstopper with modern cabinetry, stainless steel appliances, and a large island perfect for morning coffee or entertaining. The owner's suite is a private retreat with a spacious ensuite bathroom and a walk-in closet that dreams are made of. The backyard offers plenty of space for relaxing, entertaining, or simply enjoying the calm surroundings. You'll love being minutes from the lake, the golf course, and everything that makes Winston such a desirable place to live. Here's the best part: this home has an assumable loan with an interest rate under five percent. That's real savings and real opportunity. Move-in ready and perfectly located near I-20, shopping, and dining, this home combines comfort, convenience, and charm. Don't wait-schedule your private showing today before someone else calls it home.
Source: GAMLS #10634723
Loan details
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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.