Welcome Home to Modern Comfort & Sustainability Step into a beautifully reimagined, fully updated family sanctuary designed for the modern lifestyle. From the moment you pull into the driveway, this home sets itself apart, featuring a fully hooked-up Tesla car charging station—ready to power your daily adventures with eco-friendly ease. Inside, the home opens up to a bright, spacious layout featuring gorgeous contemporary finishes. The heart of the home’s updates shines brightest in the luxurious bathrooms. The master and secondary baths have been completely transformed into spa-like retreats, boasting sleek modern double vanities, abundant storage, and premium bidet functions for an elevated, hygienic daily routine. With four generously sized bedrooms and 2.5 beautifully appointed baths, there is plenty of personal space for everyone to thrive. Designed for Family Connection The thoughtful architectural layout truly shines as you head upstairs. You are immediately greeted by a bright, spacious loft area—the ultimate central hub for family life. This versatile space is designed specifically for togetherness; whether it’s a cozy movie night, a homework station, or a place where all family members naturally gather and wind down together before bed, this loft anchors the upstairs with warmth and connection. Your Own Private, Edible Oasis Outside The magic continues outdoors. Step into a wonderful, vibrant garden filled with a stunning variety of flowers and mature fruit trees. This backyard paradise is a rare find, offering a peaceful, private escape where you can harvest fresh fruit, host summer gatherings, or simply relax surrounded by nature. Massive Value-Add Potential Below The equity-building potential of this property is unmatched. The expansive basement is nearly finished and ready for your final touches. With all structural studs firmly in place and water lines/plumbing connections already fully hooked up, the heavy lifting is done. Transform this massive space into a premier home theater, a private guest suite, or a sprawling game room—adding instant square footage and value to an already spectacular home. This house is everything every family is looking for—offering the perfect blend of modern luxury, energy efficiency, natural beauty, and room to grow. Don't miss your chance to make it yours! Don't miss the chance to give your family the perfect blend of modern luxury, energy efficiency, and room to grow!
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.
