This home will quickly jump to the top of your list! You owe it to yourself to experience this stunning property that blends the charm of a wooded country home with the conveniences of city living. Nestled on just under 4 (3.94) wooded acres offering incredible privacy, this home delivers the perfect balance of privacy and seclusion with convenience and accessibility. With more than 2,200 square feet of living space, this classically constructed home boasts spacious bedrooms and 3 full bathrooms (including 2 primary suites), ensuring there's room for everyone in the family. The all-brick exterior and vinyl sided soffits make for low-maintenance living, giving you peace of mind for years to come. When you first step onto the property it's certainly clear that this home has been taken great care of and is kept in topnotch condition. Freshly painted interiors and a move-in ready layout make this home a seamless transition for any buyer. The updated kitchen, featuring hard surface countertops, a built-in island, stainless steel appliances, and an open floor plan scream for family entertainment and gatherings, it is sure to be a favorite gathering spot for all. The expansive primary bedroom offers plenty of space for a king-size bed and includes a cozy bay window, perfect for creating a reading nook. The adjoining primary bath is equally spacious, featuring a dual-sink vanity, a luxurious bathtub, a stand-up shower, and multiple entrances. Both Primary bedrooms boast walk-in closets, ensuring there's ample storage throughout the home. Whether you're relaxing in the sunroom with a cup of coffee, unwinding in the hot tub at sunset, or hosting family games in the large backyard, there's something for everyone here. The outdoor entertainment space, complete with a private heated and cooled yoga cottage (that could be used as an office, workout space, man cave, she shed or any other use). This backyard has been the backdrop for countless cookouts, family gatherings, team parties and sleep overs. Multiple sheds in the backyard provide additional storage for tools, lawn equipment, and DIY projects. And if you enjoy walking or four wheeling in nature, the pre-cut trails offer plenty of distance to up your step count and the firepits will provide a great location for wienie roasts and s'mores galore. You can also enjoy time with your own private creek access as this property backs on Mossy Creek. An oversized two-car garage offers plenty of space for 2 vehicles and extra storage. Don't miss the chance to make this beautiful home yours. Schedule your tour today and see all that it has to offer!
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.
