Welcome to this exceptional Copper Ridge Signature Home, perfectly positioned in Liberty Hill’s highly sought-after Rosemont community. Showcasing quality, thoughtful design, and elevated craftsmanship, this former builder model home offers an almost-new-construction feel with refined finishes and carefully curated details throughout. From the moment you arrive, the home’s striking curb appeal sets the tone for a residence that delivers both beauty and a higher standard of living. Inside, a highly functional open floorplan creates a bright, welcoming space designed for modern living and effortless entertaining. The chef’s kitchen is a true centerpiece, featuring premium commercial-grade appliances, abundant counter space, and a seamless flow into the spacious living area. Anchoring the living room is a stunning, one-of-a-kind fireplace — an architectural showpiece that adds warmth, character, and an inviting atmosphere for gatherings or quiet evenings at home. The oversized primary suite serves as a serene retreat, complemented by a spa-inspired bath with an expansive walk-in shower and generous storage thoughtfully designed for comfort and organization. Every space within the home reflects intentional design, blending sophistication, style, and everyday livability. Outdoors, the backyard provides ample space for entertaining, BBQing, and enjoying time with friends and family. Designed for today’s connected lifestyle, the home is fully equipped with high-speed internet capabilities and comprehensive smart home wiring, enhancing efficiency, convenience, and control. Ideally located and zoned to highly rated Liberty Hill ISD, residents enjoy easy access to Hwy 29, with close proximity to local dining, shopping, and everyday conveniences. Combining quality construction, a standout floorplan, designer selections, and the added prestige of a former model home, this Rosemont property offers an exceptional opportunity to own a truly remarkable Liberty Hill home.
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.
