Your new home,
made affordable

Find homes with rates as low as 2% before they’re gone.

Why buy with Roam?

Buying with Roam can cut your monthly payments in half

Easier to qualify

Any buyer who qualifies for an FHA or VA loan is likely eligible to assume a low-rate mortgage.

Simpler process

We’ll navigate the process with the servicer on your behalf. When you assume a mortgage, there’s no required appraisal.
Interest rate
Monthly payment
Without Roam Roam
Assuming a low-rate mortgage can help cut your monthly payments in half. Assuming a $500k mortgage at a rate of 2% will save you more than $1,650 a month. All calculations are estimates and provided for informational purposes only. Actual amounts may vary.

Supercharge your buying power with Roam Boost.

Get a low rate plus an affordable down payment.


Learn more

What is an assumable mortgage?

An assumable mortgage is a type of home loan that allows homebuyers to take over the existing mortgage terms from the seller. All government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.

Common myths about assumptions, debunked.

Myth #1
Assumptions take too long to close.

We offer a 45-day closing guarantee.

Myth #2
Assumptions are hard to qualify for.

You can get approved with a credit score of 580.

Myth #3
Only veterans can assume a VA loan.

Anyone is eligible to assume a VA loan.

Myth #4
FHA assumptions are restricted by income.

There are no income limits for FHA loans.

Myth #5
The seller is on the hook for buyers payments.

The seller is released from all liability at closing.

Myth #6
Mortgage assumptions are a "subject-to" offer.

The mortgage is in the buyer's name as of closing.

What are customers saying about Roam?

“Roam has been there every step of the way. With Roam, I’ve found the perfect home for my family at an incredibly affordable rate.”

Matthew S.
Buyer in Atlanta, GA

“Homeownership in Atlanta has become dramatically more unaffordable in the last year. Roam will be an invaluable tool to help us pull buyers off the sidelines.”

Tim J.
Buyers’ Agent in Atlanta, GA at Perk Prop

How to buy with Roam.

Step 1


Sign up to find homes that can be purchased with rates as low as 2%.
Step 2


Get qualified to purchase your next home with the low-rate included.
Step 3


We'll work with your agent and seller to ensure you close on time.

We collect a fee of 1% of the purchase price from the buyer through closing costs to make the process simple and stress-free.

Savings over the first 5 years


When you buy with Roam, you could save up to $20,000 in your first year alone.
One-time Roam fee

- $5,500

For a $500,000 mortgage assumption, at a $550,000 sales price, our fee would be 1% of the sales price.

Net savings over 5 years


By buying with Roam, you could save up to $94,500 in your first 5 years of owning your new home.

Frequently asked questions

What is Roam?

What is an assumable mortgage?

Why is an assumable mortgage valuable?

See all FAQ