Welcome home to Greenbelt Drive, where refined living meets effortless comfort in the desirable Bluffs of Meridian Ranch, known for its wider lots, added privacy, and quiet, tree-lined streets. Backing directly to Antler Creek Golf Course, this expansive 5-bedroom, 3-bath home offers more than 4,200 sq ft of beautifully curated space designed for living, working, and entertaining. Step inside to a bright, open layout with rich LVP flooring, warm neutral tones, and an easy, elegant flow. The chef’s kitchen features granite countertops, double ovens, a walk-in pantry, and a generous center island perfect for gatherings. The main level includes three bedrooms, formal dining, a cozy living room with gas fireplace, and walk-out access to a serene patio overlooking the fairway. The luxurious primary suite is a true retreat with a spa-inspired 5-piece bath, soaking tub, dual vanities, and a massive walk-in closet. Upstairs laundry, spacious bedrooms, and abundant storage add comfort and convenience throughout. The fully finished basement is built for entertaining, complete with a custom dry bar, built-in bookshelves, and an in-home theater with projector, screen, and surround sound—all included. Outside, the xeriscaped backyard offers low-maintenance beauty and uninterrupted views of the course. Living in Meridian Ranch means enjoying resort-style amenities, highlighted by the 42,000 sq ft Recreation Center featuring a year-round indoor pool with water slide, leisure pool, lazy river, lap lanes, full gym, free weights, cardio equipment, fitness classes, multi-sport courts, and onsite childcare. During warmer months, residents love the heated outdoor pool with beach entry, slide, and lap lanes. And coming soon, the Meridian Ranch Fieldhouse! An all-new 45,000 sq ft sports and wellness complex with indoor turf fields for soccer, lacrosse, and flag football, state-of-the-art fitness areas, a group exercise studio with outdoor turf, childcare, and a walking track.
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.
