Wake up every morning to breathtaking mountain views and end each evening with unforgettable sunsets from the comfort of your own home. Tucked away from the noise and traffic of the city, this stunning 4-bedroom, 3.5-bath retreat offers the perfect blend of peace, beauty, and everyday luxury. From the moment you arrive, the charming brick paver walkway and impressive stone façade create a warm and elegant first impression. Step inside the grand two-story foyer and feel instantly at home. The heart of the home is the beautifully appointed kitchen, designed for both entertaining and everyday living. Featuring stainless steel appliances, dual ovens, a French door refrigerator, granite countertops, a spacious island with bar seating, 48” solid cherry wood cabinetry, under-cabinet lighting, and a double-door pantry—this kitchen truly has it all. Just beyond, sliding doors lead to the expansive deck where you can relax, entertain, and soak in those incredible views. The inviting family room, located just off the kitchen, offers cozy evenings by the propane gas fireplace with stunning stone surround, while triple sliding doors bring the outdoors in. The formal dining room shines with walnut hardwood floors, a beautiful chandelier, and a sun-filled bay window. The formal living room offers even more mountain views, hardwood flooring, and a charming raised hearth with a wood stove for added warmth and character. Upstairs, the spacious primary suite is your private sanctuary, complete with panoramic mountain views, a walk-in closet, and an en-suite bath with double sinks and plenty of storage. Three additional generously sized bedrooms, a full bath, and a large laundry room with utility sink and whole-house fan complete the upper level. The finished walkout lower level adds incredible flexibility with a recreation room featuring new LVP flooring, a bonus room with closet, a full bath, and a utility room—perfect for guests, hobbies, or a home office. Outside, enjoy lush mature landscaping, seasonal flowers, a welcoming side patio with slate pavers for your morning coffee, a huge rear deck, private backyard, large shed, and mature trees that create your own private oasis. Fresh paint, updated lighting, professionally cleaned carpets, six-panel doors, and thoughtful details throughout make this home truly move-in ready. And the cherry on top—this exceptional home is located in the highly sought-after Middletown school district. If you’ve been dreaming of space, beauty, privacy, and views that make every day feel like a getaway—this is the one. Note-New roof on house and shed -2025, Fireplace insert- 2021, Kitchen appliances less than 5 years old, Well is on the hill behind the house, Septic is on the bank in front of front patio, Propane tank is to the right of the drive way, Wood compost box to the right of driveway, Greenbrier, and Gambril park near by
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.
