If your dream home wish list includes five bedrooms plus a private office, a beautifully maintained interior, and a large, tree-lined, park-like lot, look no further — this Copper Creek gem checks every box. Welcome to Copper Creek living at its finest in the heart of desirable Five Forks, Simpsonville. A stunning entryway welcomes you with immediate views of the peaceful backyard, creating a warm and inviting first impression. Inside, the open floor plan is filled with natural light and features gorgeous wood-look luxury vinyl plank flooring throughout, making the space both stylish and easy to maintain. The kitchen is truly the heart of the home, offering granite countertops, a beautiful backsplash, double ovens, abundant storage, and an eat-in breakfast area. It flows seamlessly into the living room and sunroom, creating an ideal layout for both everyday living and effortless entertaining. All five bedrooms are located upstairs, including an oversized owner’s suite with room for a sitting area — a perfect private retreat. The spa-like en-suite bath features a garden tub, separate shower, and a large walk-in closet. Two additional bedrooms also offer walk-in closets, providing comfort and storage for everyone. On the main level, a private office adds flexibility and could easily serve as a temporary bedroom if needed. Step outside to your own private oasis. The large screened porch with decorative stamped concrete flooring overlooks a spacious 14,000-square-foot yard complete with a fire pit, Honeycrisp and Fuji apple trees, and Japanese cherry trees — an ideal setting for quiet mornings or cozy evenings by the fire. Additional highlights include a tankless hot water heater, full-house surge protector, two-car garage, and abundant storage throughout. Located just two homesites from the pool and community amenities, this home offers the perfect balance of privacy and connection. Copper Creek residents enjoy a junior Olympic-size pool, playground, and an active social calendar featuring community events and frequent food trucks. This home blends space, serenity, and neighborhood charm — don’t miss your opportunity to make it yours. Your search for the perfect home ends here.
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.
