Seller is offering $20,000 in buyer concessions! Beautiful all brick and stone home in Sango's Willowbrook Subdivision! This four bedroom, three and a half bathroom (all new toilets) home with a bonus is one that you do not want to miss out on. The primary and two other bedrooms are located on the main floor with 2.5 bathrooms. The fourth bedroom and third full bathroom are located upstairs with a full bonus room. Located right down the road from Thirsty Goat, you can pull into your circular drive and enter into this beautifully renovated home. Totally gutted and renovated kitchen with cabinets that reach the ceiling. Quartz counter tops in kitchen with a newer drop in double oven and dishwasher. New flooring throughout the entire home to include carpet and luxury laminate. Entire home has been repainted. All new light fixutres on the main level. Walk from your kitchen into your living room with fire place and tall ceilings. Leave from the living room to walk into your fully enclosed Florida room where you can watch the roses bloom and birds feed at your delight. Once you step outside from your Florida room, you are led down a custom concrete stamped pathway to a custom fire pit patio area that is perfect for entertaining. When you pull in the front, note that this home has had an entire landscaping redo, and it looks amazing when everything is in bloom. Not to mention, the primary bedroom on this home is absolutely huge and such a retreat after a long day. Along with the primary closet has custom cabinetry for organization needs. Side entry two car garage. If you like to walk or be outdoors, this neighborhood has a park, a pond with benches, and a library mailbox for anyone to use and exchange books that is nearby. HVAC was replaced in 2025 with top of the line Amana unit. Pool table, washer and dryer, storage racks in garage to convey with a full price offer. Custom made living room furniture is negotiable. 40 minutes from Nashville and to Fort Campbell.
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.
