Discover a rare opportunity for luxury lakeside living just minutes from the Metroplex in the exclusive private Ski Haven near Justin, TX. Conveniently located within 15 minutes of Hwy 114 & I-35W, this unincorporated waterfront retreat offers peaceful lake living with easy access to DFW airport & Fort Worth in under 30 minutes. Situated on one of eleven private one-acre homesites surrounded by privately owned land, this custom two-story home offers exceptional privacy, breathtaking views, & a lifestyle centered around relaxation and recreation. Inside, the spacious floorplan features a large living & dining area with oversized windows overlooking the lake. The kitchen is beautifully appointed with custom cabinetry, granite countertops, tile finishes, and an oversized nearby laundry room. Upstairs, the luxurious primary suite includes its own fireplace, updated finishes, jetted tub, and a private balcony overlooking the lakes. Three additional generously sized bedrooms and well-appointed bathrooms provide ample space for family and guests. This meticulously maintained home includes wood flooring upstairs, updated lighting & hardware, four full bathrooms, two fireplaces & oversized garage. Ski Haven offers a truly unique lifestyle with exclusive access to a private lake. The property also offers the opportunity to add your own private dock, creating the ultimate lakefront experience. The 1.27% tax rate and HOA amenities provide excellent value. HOA includes water for the home and sprinkler system, 2 Trash dumpsters, 2 Ski Nautique boats with anytime use, 2 separate ski lakes, 1 for slalom, 1 for trick ski, jump & play such as jet skis & tubing, Second water well dedicated to keeping lakes at a constant level for year round enjoyment, 2 boat houses with lifts, lakes stocked with bass crappie & catfish. Also included is concrete pavilion with new metal roof replaced in 2025, recently repaved road and maintenance of common areas, systems, boats and buildings.
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.
