Virtually Staged. Experience luxury country living on 2.24 wooded acres in this beautifully upgraded 4-bedroom, 2-bath retreat designed for comfort, privacy, and effortless living. Step inside to expansive living spaces with vinyl plank flooring throughout and brand-new carpet in three bedrooms. The 2023-renovated kitchen delivers a true chef’s experience with soft-close cabinetry, solid-wood countertops, stainless steel appliances, a seamless built-in look stove, single-bowl sink, island, two lazy Susans, and a refrigerator that produces both standard and craft ice. There is also a designated space for a trash compactor to be added, enhancing the kitchen's functionality and convenience. Dual living areas offer room to relax and entertain, including a family room anchored by an included 86-inch TV, plus additional 65-inch and 32-inch smart TVs. The luxurious primary suite feels like a private sanctuary with a walk-in closet, soaking tub, dual sinks, shower, and a spacious flex room. Both the primary bathroom tub/shower and the tub in Bathroom 2 have been professionally reglazed, and the home has never been smoked in. Outside, the property offers exceptional functionality with four versatile sheds—two 12x20 buildings with power, one of which is insulated, a 10x10 shed stocked with extra flooring, paint, and storm-ready numbered plywood, and a dedicated storage/chicken-coop setup complete with an anchored feed shed. A portion of the backyard is fenced, and inside that is a second wire fence with electrical clips ready for hookup, ideal for safely containing animals. Three additional light poles illuminate the grounds beautifully at night. The property is also equipped with 4 outdoor solar cameras for added security and peace of mind. Front door and back door Ring cameras are included. A 26k whole-house generator paired with an owned 500-gallon propane tank (approx. 60% full) ensures uninterrupted comfort. Full RV accommodations include 50-amp service, water, septic, and electricity. The well system is enhanced with a chlorinator and softener tanks. Outdoor living is elevated with new decking handrails (May 2026), shade sails over the back deck, and gutters that feed into the private pond featuring an automatic fountain sprinkler. New window screens were installed in May 2026. The shingle roof was replaced in 2017, and the skirting was updated in May 2026. With three access points—front door, back sliders, and laundry-room entry—this home blends luxury, practicality, and the tranquility of nature into one exceptional property. Schedule your showing today to experience this exceptional home and enjoy amenities all close by!
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.
