Stunning main-level living in this meticulously appointed 4-bedroom plus 2 flex rooms (optional bedrooms), 6.5-bath residence showcasing top-of-the-line finishes throughout. Designed for effortless everyday living, three bedrooms are located on the main level — each with its own private full bathroom — along with a dedicated office, family room, convenient laundry, and an oversized 3-car garage. The luxurious owner's suite is a true retreat, elegant tray ceilings, and a bay window sitting area that looks out to the backyard and pool. Also, featuring a beautifully tiled walk-in shower with seamless glass doors, a separate soaking tub for unwinding, dual vanities, two spacious walk-in closets provide exceptional storage. The main level also boasts a grand family room with coffered ceilings and a cozy fireplace — the perfect space for gathering and entertaining — with a walkout to the expansive deck. Gleaming hardwood floors flow throughout the main level, complemented by soaring 10-foot ceilings that create an open, airy atmosphere. The elegant separate dining room is finished with refined crown molding and shadow boxing for a touch of sophistication. At the heart of the home, the gourmet kitchen features a large center island with bar seating and a sun-filled breakfast area, all looking out to the resort-style pool complete with a cascading waterfall and a relaxing hot tub. The upper level offers a generously sized flex room with a full bathroom — ideal for a media room, home gym, or guest quarters. The lower walkout level expands the living space with a bedroom and full bathroom, an additional flex room with its own full bathroom, a large open game room perfect for entertaining, a dedicated exercise room, and a spacious storage room. Luxury vinyl plank flooring runs throughout the lower level, which walks out to a private patio. Step outside to a resort-style heated saltwater concrete pool with a cascading waterfall and relaxing hot tub, all enclosed within a fenced yard for privacy and peace of mind. Extensive hardscaping surrounds the pool and patio areas, creating a seamless outdoor living and entertaining experience that is truly magazine-worthy. From the thoughtful floor plan to the premium finishes, this home delivers a rare combination of space, style, comfort, and livability that is truly move-in ready.
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.
