Professional Pics Coming Soon along with THIS ONE LEVEL LIVING BEAUTY!!! Open House May 2nd from 2-4... Tucked into the desirable Lascassas,TN area of Rutherford County, 105 Barvas Ln offers one level living with a spacious bonus room upstairs, a layout buyers consistently ask for and rarely find. This well-maintained home features 3 bedrooms and 2 full baths, with an open and inviting feel highlighted by large windows that bring in natural light throughout. Vaulted ceilings in the great room and primary suite add to the sense of space, while the fireplace creates a warm focal point for everyday living and entertaining. Recent updates provide peace of mind, including a full interior paint refresh, new PEX plumbing throughout, a new water heater installed in 2025, and an HVAC system replaced in 2019. Situated on a generous corner lot of approximately 0.79 acres, the outdoor space is designed for both function and enjoyment. The backyard features a privacy fence, stained for longevity, along with a security light for added visibility. An above ground pool, swingset, and storage shed remain, making this property ready for outdoor living and everyday convenience. Located in an established neighborhood with no HOA, this home offers the perfect balance of peaceful surroundings and convenient access to Murfreesboro amenities. Coming Soon This is your opportunity to get ahead of the market and be ready when showings begin. If you have been waiting to get settled into a new home this spring so you can enjoy the summer and be comfortably in place before the next school year begins, this one checks all the boxes. Homes with this layout, condition, and setting do not last long. Buyer and Buyer’s Agent to verify all pertinent information.
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.
