Welcome to 104 Ashley Bluffs Rd - a stunning former model home in the highly sought-after DD2 School District. With 3403 square feet of thoughtfully designed living space, this 4-bedroom, 3.5 bath residence perfectly blends elegance, comfort and functionality. From the moment you step inside, you'll notice the custom trim work and designer accents that set this home apart. The open floor plan creates a seamless flow between the spacious living area, dining space and kitchen. Hardwood floors span the entire first floor, adding warmth and timeless appeal. The kitchen is truly the heart of the home, featuring a large center island with bar seating, a charming farmhouse sink, pre-lit glass cabinets that showcases your favorite pieces, and an oversized pantry providing exceptional storage.Whether hosting gatherings or enjoying quiet evenings at home, this space was designed to impress. The powder room and a private drop zone off the garage that provides great organization completes the first floor. Upstairs you'll find generously sized bedrooms and a large loft space, with surround sound included, that offers endless possibilities. The primary bedroom is large with wood trim details. The en-suite features an oversized double vanity, garden tub with separate shower and a large walk-in closet. With 3 additional bedrooms, one with its own attached bathroom, loft and 1 other full bathroom upstairs, there's room for everyone to spread out. The main living area opens beautifully to a screened porch featuring sliding vinyl windows, allowing you to enjoy year-around outdoor living in comfort. Out back you have mature landscaping, plenty of shade, and a paver patio - perfect area to create an amazing outdoor living space. ADDED BONUS: The garage was used as the builder's office space during construction, so garage doors were added. The homeowners kept the office set-up complete with cable hook up and HVAC with its own thermostat. New homeowners can keep the additional rooms or easily convert it back to a garage! This community is just minutes from shopping, dining, and major employers. Come see your new home TODAY!
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.
