Some homes simply check the boxes. Others feel right the moment you walk through the door. Located in Parker’s highly sought-after Stonegate community, this beautifully remodeled home offers the layout, updates, and setting buyers are looking for but rarely find. Natural light fills the space as the vaulted entry creates an immediate sense of openness and the floor plan simply makes sense. Near the entry, formal living and dining rooms create a welcoming first impression, while the main floor office provides a comfortable work-from-home space. A powder bath and main floor laundry add everyday convenience. The remodeled kitchen serves as the heart of the home with gorgeous cabinetry, crown molding, granite countertops, stainless steel appliances, and a gas range with vent hood. The breakfast nook includes additional cabinetry and a built-in coffee bar — the kind of space that quickly becomes part of your daily routine. The adjacent family room features vaulted ceilings and flows naturally from the kitchen and breakfast area, centered around the fireplace and designed for gathering and relaxing. Upstairs, four bedrooms include a spacious primary suite designed as a quiet retreat. The remodeled primary bath features cabinetry and granite that match the kitchen, a seamless glass shower, and a large soaking tub. The finished basement adds flexibility with a large recreation or media room plus a bonus room ideal for a second office, hobby room, or workout space. Outside, the backyard offers something many homes nearby simply don’t — a sense of openness. A large patio is perfect for entertaining, while the greenbelt and mature trees behind the home add breathing room and separation. Stonegate residents enjoy two community pools, tennis courts, parks, and miles of trails just minutes from Downtown Parker and Mainstreet. This combination of layout, updates, and location in Stonegate is rarely available. Schedule your private showing and experience it for yourself.
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.
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