Tucked away on a quiet cul-de-sac in Cary's highly desirable Brandywine community, this beautifully maintained east- and west-facing home offers the perfect blend of comfort, flexibility, and peace of mind filled with natural light from sunrise to sunset. Enjoy the best of both worlds with a Cary lifestyle and a highly sought-after Raleigh 27607 address, offering unbeatable proximity to NC State, Lenovo Center, Downtown Raleigh and RTP while being nestled in one of Cary's most established and welcoming neighborhoods. From the moment you enter, you'll be impressed by the soaring two-story foyer with 18-foot ceilings and abundant natural light, complemented by 9-foot ceilings throughout the main level. Bright morning sun fills the backyard and main living areas, while warm afternoon light enhances the front of the home, creating a consistently inviting and airy feel throughout the day. Rich hardwood floors, fresh interior and exterior paint, and thoughtful updates create a warm, timeless aesthetic that feels both welcoming and refined. Designed for modern living, the open-concept layout provides seamless flow between the formal dining room and main living spaces ideal for both everyday living and effortless entertaining. The spacious kitchen is a true centerpiece, featuring a gas cooktop, roll-out shelving, abundant cabinetry, and a stunning wall of windows overlooking the backyard perfect for enjoying peaceful, sunlit mornings. The main level also features a private guest bedroom and a full bath with a walk-in shower ideal for visitors, multigenerational living or added convenience. Upstairs, the expansive primary suite provides a relaxing retreat, accompanied by additional bedrooms and a versatile bonus/flex room. Whether used as a home office, media room, playroom or fitness space, it adapts easily to your lifestyle. All bathrooms in the home are full baths, providing comfort and functionality for family and guests alike. Step outside to a large, private backyard surrounded by mature trees and lush landscaping an ideal setting to relax, entertain, or create your own outdoor retreat. The morning sun fills the backyard beautifully, while naturally shaded afternoons provide comfort offering the perfect balance for outdoor living. Major updates provide true peace of mind, including a new roof (2025), new HVAC system (2025), and water heater (2024), allowing for worry-free ownership. Location is truly exceptional. Just minutes from Lenovo Center, enjoy access to Carolina Hurricanes games, NC State basketball, major concerts, and events. Carter-Finley Stadium and the North Carolina State Fairgrounds are also nearby. Downtown Cary and SAS are within minutes, while RDU Airport (6 exits), Downtown Raleigh (8 exits), and Durham are all easily accessible. NC State University and Cardinal Gibbons High School are approximately 5 minutes away. With convenient access to RTP, shopping, dining, top-rated schools, and major highways, this home delivers an outstanding combination of location, lifestyle and long-term value with exceptional natural light throughout the day.
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.
