Discover this extraordinary newly listed home where breathtaking golf course and lake views set the stage for effortless luxury living. Perched on a premier lot with sweeping vistas that captivate from every angle, this residence offers privacy and serenity in one of the most desirable settings imaginable. The expansive private yard provides abundant space for a future pool or outdoor oasis, framed by expert landscaping that creates a park-like retreat. A brand-new deck with updated stairs invites seamless indoor-outdoor flow for morning coffee or evening cocktails, while the striking flagstone patio—complete with dry-below storage—delivers the perfect venue for year-round entertaining and relaxed gatherings. Step inside to an impeccably refreshed interior that feels move-in ready. Newer windows and elegant plantation shutters bathe the spaces in natural light while framing those enviable golf course and lake views. Every wall showcases all-new paint in fresh, neutral tones, complemented by thoughtfully curated lighting and stylish ceiling fans that enhance both ambiance and comfort throughout. Underfoot, the freshly refinished hardwood floors gleam in a warm natural finish, paired with plush new carpet in the bedrooms for ultimate softness and style. Thoughtful updates continue with new faucets in the baths and a suite of newer stainless appliances—including a high-efficiency HVAC system—that ensure modern convenience and peace of mind. The heart of the home shines with sleek quartz countertops throughout, delivering timeless elegance and effortless durability. Downstairs, the newly finished terrace level elevates everyday living into something truly special: a generous full bedroom and spa-like bath, anchored by an oversized entertainment bar complete with ample seating and serving space—ideal for hosting game-day gatherings, wine tastings, or family movie nights. This is more than a home—it’s a lifestyle. With every detail meticulously updated and the stunning natural surroundings as your backdrop, this property is ready for you to move in and make it your own. Don’t miss the rare opportunity to own this turn-key gem with endless views, privacy, and entertaining potential. Schedule your private showing today and experience the difference.
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.
