OPEN HOUSE SUNDAY 2-4pm! Welcome home to this beautifully maintained 5-bedroom, 3.5-bathroom gem. The moment you step inside, the grand front entry impresses with soaring tall ceilings and abundant natural light pouring in, creating a bright, welcoming feel. Spanning approximately 2,809 sq/ft of thoughtful, open living space, this newer home delivers the size, style, and updates people crave—without the premium price tag of brand-new builds. The main level flows seamlessly into the heart of the home: a spacious gourmet kitchen designed for both everyday living and entertaining. Enjoy the large center island with plenty of seating, granite countertops, generous cabinet storage, a walk-in pantry, and stainless steel appliances. It's the perfect spot for cooking, homework, or casual gatherings. The living room offers a charming fireplace. A versatile front flex room offers endless possibilities—use it as a home office, playroom, or a main-level guest suite. The adjacent half bathroom can be closed off for added privacy, making it ideal for extended stays. Retreat to the primary suite featuring dual vanities, a luxurious soaking bathtub, separate shower, and an oversized closet. The upper level also includes a massive second living area—perfect for movie nights, game days, playing games(shuffle board, foosball, etc), or a hangout space. Three additional bedrooms and two full bathrooms provide comfort and convenience for everyone. Outside, enjoy your private backyard oasis with a charming pergola over a concrete pad—ideal for outdoor dining, relaxing, or weekend BBQs. The yard is equipped with a sprinkler/irrigation system for easy maintenance. This home offers the perfect blend of space, updates, and affordability for buyers seeking something newer and larger without breaking the bank. It's move-in ready and waiting for your personal touch! Don't miss out—schedule your showing today and make this Yukon treasure yours!
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.
