Welcome to 10217 Vintage Drive, a beautifully maintained residence offering space, comfort, and everyday convenience in a prime location near sought-after amenities. Built in 2007 and offering approximately 3,187 square feet, this inviting home features a thoughtful layout with five bedrooms and two-and-a-half baths, creating room to relax, work, or gather with ease. The main level opens to a bright living area with large windows that frame peaceful views of the manicured practice field directly behind the home—an expansive green space perfect for outdoor recreation, kite-flying, or simply enjoying the open landscape. A private gate in the back fence provides direct access, extending your outdoor living options. The kitchen serves as the heart of the home, offering abundant cabinetry, generous prep space, and an easy flow into the dining and living areas. Nearby, the spacious downstairs suite includes a large bath with dual vanities, a separate shower, and a walk-in closet. Upstairs, four additional bedrooms and a versatile game room offer flexible use for hobbies, study areas, or quiet retreats. Residents appreciate the exceptional community amenities and the convenience of being within walking distance of the pool, playground, tennis courts, basketball courts, and scenic walking paths. The location also provides quick access to shopping, dining, and major corridors, making daily routines simple and efficient. The surrounding area continues to grow and thrive, adding even more appeal for those seeking both comfort and long-term convenience. With its inviting layout, peaceful backdrop, and desirable neighborhood setting, 10217 Vintage Drive offers a wonderful blend of comfort, usability, and location. It has been cherished by its current owners for its warm character, generous space, and easy connection to outdoor activities—an ideal place to enjoy for years to come.
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.
