Welcome to this rare end-unit carriage home nestled behind the gates of the highly sought-after community of Anderson Creek Club. Filled with natural light and surrounded by beautifully designed custom landscaping, this home offers the perfect blend of peaceful living, style, and low-maintenance living. The open-concept main level is designed for both everyday living and entertaining, showcasing a chef’s kitchen with a large baker’s island, stainless steel appliances, a brand-new refrigerator, and a custom walk-in pantry. The kitchen flows seamlessly into the dining area accented by custom columns and an inviting family room wrapped in windows. The spacious first-floor primary suite features soaring vaulted ceilings, a custom walk-in closet with built-in shelving, and a spa-inspired bath complete with an oversized all-tile shower. Upstairs, you’ll find two generously sized bedrooms with oversized closets, an oversized flex/study with a walk-in closet and fixed window that offers flexible use, and an enormous bonus room featuring built-in cabinetry and a charming window seat Enjoy easy living with NO CARPET ANYWHERE in the home. Relax on the screened porch overlooking a peaceful, bird-filled tree line, or unwind on the rear patio seating area.This home is just a short walk from the Clubhouse and Bunkers Bar and grill. The crawl space provides exceptional storage, while the attached two-car garage and additional side parking space offer convenience rarely found in carriage home living. The custom landscape adds yet another unique touch to this beauty! This rare end-unit opportunity combines privacy, abundant natural light, beautiful outdoor spaces, and all the amenities of Anderson Creek Club. Homes like this don’t come along often. POA dues include high speed internet, yard maintenance, access to the Anderson Creek Club amenities and activities ( pools, fitness centers, fishing, pickleball and much more), recycling services and 24/7 gated security.n
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.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
